08/22/2026
The at-fault driver's insurance company sends over a number, and it feels like the whole thing is finally over. That's the moment a lot of people sign too fast, because the check is real and the ache in your shoulder just wants this behind you.
That number doesn't cover everything. Pennsylvania requires auto policies to offer uninsured and underinsured motorist coverage, but drivers can turn it down, and plenty did years ago without thinking about it. If the at-fault driver's limit turns out smaller than your recovery costs, your own coverage is supposed to fill that gap, if you kept it.
Before you sign a release with that insurer, your own underinsured motorist carrier needs notice of the settlement, with a chance to protect its interest. Sign a release that doesn't reserve that claim, and you can lose money that was sitting in your own policy the whole time.
Before you sign that settlement check, call us: 610-279-4300.