Scranton UM/UIM Claims Lawyer for Uninsured and Underinsured Drivers

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Helping Crash Victims Access UM/UIM Benefits in Northeastern Pennsylvania

When the at-fault driver has no insurance—or not enough—your recovery may depend on your own policy. Hart Law helps Scranton drivers and families pursue uninsured and underinsured motorist claims, including “stacked” coverage when available. Pennsylvania policies must offer UM and UIM coverage, though purchase is optional; stacked benefits may increase available limits under certain policies.

A Clear Path to Justice After a Hit-and-Run or Low-Coverage Crash

From the first call, Hart Law reviews your declarations page, explains your options, and deals with your carrier so you don’t have to.

Coverage Review, Medical Bills & Lost Wages

We analyze your policy limits, medical payments coverage, and potential stacked benefits, then document treatment and time off work.

Uninsured & Underinsured Motorist Claims (UM/UIM)

If the other driver fled or has minimal limits, we file a UM or UIM claim under your policy and pursue every other source of recovery.

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Evidence, Repairs & Rental Vehicles

We gather police reports (Scranton PD or PA State Police), witness info, and photos; we’ll also address repairs and rentals so you aren’t stuck without a car.

Trial-Ready When It Counts

If your own insurer won’t be fair, Hart Law prepares to file suit and fight for benefits you paid for—keeping you updated on timeline and strategy.

FAQ: UM/UIM Claims

  • Do I have UM or UIM on my policy?

    Pennsylvania insurers must offer it, but it’s optional to buy; we’ll review your policy and advise.

  • What is “stacked” coverage?

    Stacking can increase available UM/UIM limits in some situations, depending on waivers and the number of vehicles/policies.

  • How long do I have to bring a UM/UIM claim?

    Deadlines can vary and may follow contract-based time limits; we recommend acting promptly to protect your rights.

  • Should I talk to my insurer first?

    Yes—but let us guide that conversation so you don’t unknowingly limit your claim. We handle the calls and paperwork for you.

Next Step: Free Consultation

After a hit-and-run or a crash with a low-coverage driver, your own policy can be the lifeline. Hart Law will explain your benefits, handle the claim, and fight for a fair outcome.