Dawgboy
Active Member
Pretty much...So if your own policy only had 100K liability and you had 50K under/uninsured and they had 50k liability, your telling me that at a total of both which is 100k liability runs out your duck shit?
Once that runs out then my insurance I have thru work would pick up my continuing medical until that max's out. After that there's Disability SS.
Pa. also has full tort and no tort, which is the right to sue or not, but if it is as serious as a broken back it doesn't matter which tort you have cause for serious injuries you can still sue. But thats not going to matter because if they don't have anything, your not going to sue and get anything anyway.
I believe they(the insurance comp) wants all your money for just in case
If it's their fault your liability doesn't come into play. Their liability would pay $50k, then your underinsured picks up the next $50k (in your example).
There may be other remedies but as you implied, you may win a judgement but that doesn't mean you will see a dime. Ask Ron Coleman's Family. (OJ Simpson civil case).
Problem is some people get insurance to register the car then cancel it. I have thought for years that there ought to be a surcharge on gasoline/diesel that goes to fund a national insurance pool. Then we wouldn't have to carry uninsured coverage because if you drive a vehicle with an internal combustion engine you are paying for some base level coverage every time you fill up.
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