When the at-fault driver doesn’t have insurance, you may still be able to make a claim. In Pennsylvania, drivers usually have to file a claim with their own provider, anyway. However, if their injuries are severe, they would have the option to file a third-party claim under the at-fault driver’s policy. When the at-fault driver lacks coverage, though, victims miss out on this option. If you have uninsured/underinsured motorist (UM/UIM) coverage...
