When purchasing automobile insurance in Pennsylvania, many options are offered. Liability coverage protects you when you are at fault in an accident and an injured party files a claim against you. Uninsured and underinsured motorists coverage protects you when the other driver is at fault and injures you or a family member. If the other driver has no liability insurance or does not have enough insurance to pay you for your damages, then you may be able to collect from your uninsured or underinsured coverage. Talk to your attorney or insurance agent before deciding on insurance coverage. We recommend saving money by increasing your deductibles and not by not purchasing appropriate uninsured and underinsured coverage.