Hourigan, Kluger & Quinn Attorneys
Aug 10, 2026
Learn what options you have after an accident with an uninsured driver in Pennsylvania.
An accident with an uninsured driver can create serious money problems, especially when injuries, medical bills, vehicle damage, and missed work are involved.
Pennsylvania drivers are required to have auto insurance, but not every driver follows the law. When an uninsured driver causes a crash that injures someone else, that injured person may need to look beyond the at-fault driver’s missing coverage.
One important factor is whether the injured person has uninsured motorist coverage on their own car insurance policy. This coverage may apply when the at-fault driver has no insurance, but it depends on the terms of the policy.
It is important to review all available insurance coverage after the crash, including household policies that may apply in certain situations.
Evidence still matters, even when the other driver is uninsured. Police reports, photographs, witness information, medical records, and insurance correspondence can all affect how the claim is handled.
What are called Pennsylvania’s comparative negligence rules may also apply if there is a dispute over fault. If an injured person is found partially responsible, any compensation may be reduced by their percentage of fault.
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Understanding Your Legal Rights After an Accident
Understanding your legal rights after an uninsured driver accident is important because the available compensation may depend heavily on your own insurance policy and the evidence gathered after the crash.
Click here for more information and to review your options.