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Auto Insurance Claims/auto ins. coverage


I live in PA, don't have to carry uninsured or underinsured motorist coverage anymore. Is it really smart to drop that coverage completely? We travel out of state a few times a yr., if that matters.  Thanks

Hi Joanne,

It is not smart to drop uninsured/underinsured motorist coverage. I have seen estimates that at any given moment 25% to 40% of all vehicles on the road do not have valid insurance coverage. Of course this varies by state. Considering you travel to other states frequently, it is a good idea to carry as much uninsured/underinsured motorist coverage as you possibly can.  

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh


Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.


I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Society of Certified Auto Appraisers

Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

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My company has done work for consumers nationwide.

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