Question? I was driving to work the other day and got rear ended by an uninsured motorist in PA and the back of my car is wrecked. What do I do now? The other driver offered to pay for the damage. Thank you.

Answer: You are very lucky you were not hurt in this accident for two reasons. The uninsured motorist in PA who ran into you will be liable for any injuries you have sustained, but the likelihood of an uninsured motorist having enough assets to compensate you for these injuries is unlikely.

Your insurance company should pay for any damages to your car so contact them and let them know about the other drivers offer to pay for the damage. There is no benefit to you by leaving your insurance company out of this accident.

The only reason the other motorist would rather deal with you instead of your insurance company is to escape any consequences that may be involved with them being uninsured. If you accept his offer to pay for your car and he later reneges you are going to get stuck with the bill for this repair.

In PA you may purchase additional coverage that will cover any injuries caused by an uninsured motorist in PA and while this is not mandatory it is recommended.