Each state sets its own rules for car insurance. Pennsylvania is considered a no-fault state. This means, no matter what you desire for your coverage, your auto insurance policy will operate withing the no-fault rules.
If you have been involved in a car accident in Pennsylvania, you may wonder how the state’s no-fault car insurance rules will impact your claim. At Rubin, Glickman, Steinberg & Gifford, P.C., we are here to provide you with the information you need to navigate the claims process with confidence.
Benefits of the No-Fault Car Insurance Option
The no-fault car insurance system means that regardless of who was at fault in the accident, your own insurance company will cover your medical expenses and lost wages up to a certain limit. While this system is designed to streamline the claims process and ensure that everyone’s expenses are covered in a timely manner, it provides no way of recovering pain and suffering without pursuing a claim or lawsuit against the at-fault driver.
One of the key benefits of no-fault car insurance is that you can seek medical treatment without referrals, co-pays, or concern for expense. This can be particularly helpful if you are facing mounting medical bills and are unable to work due to your injuries. However, it is important to keep in mind that the amount of your medical coverage will be defined by the terms of your insurance policy.
Limited Tort vs. Full Tort Coverage
There are only 2 kinds of auto insurance policies in Pennsylvania – those which provide Limited Tort and those with provide Full Tort Coverage. These designations determine whether one can bring a claim or lawsuit for pain and suffering from a car accident. In short, to claim pain and suffering auto accident related injuries, the hurt driver must experience a serious impairment of a bodily function to make a claim under a limited tort policy. With a Full Tort policy, one could make a pain and suffering claim no matter how serious their injuries are. We always recommend to our client to obtain Full Tort Coverage.
In Pennsylvania, drivers can choose between limited tort and full tort coverage. Limited tort limits the ability to sue for pain and suffering, while full tort provides more flexibility in pursuing a lawsuit against the at-fault driver. Regardless of the chosen coverage, all drivers are required to carry personal injury protection (PIP) coverage to cover medical expenses resulting from a car accident.
Schedule a Consultation with a Car Accident Attorney
Pennsylvania’s choice no-fault car insurance system can have a significant impact on your ability to pursue compensation after a car accident. It is important to fully understand the implications of this system and how it may affect your claim before moving forward with any legal action. By working with a skilled car accident attorney, you can navigate the complexities of Pennsylvania’s insurance laws and ensure that you receive the compensation you deserve for your injuries.
At Rubin, Glickman, Steinberg & Gifford, P.C., we have a deep understanding of Pennsylvania’s choice no-fault car insurance laws and how they can impact your claim. Our knowledgeable attorneys are here to guide you through the claims process, help you understand your rights, and fight for the compensation you deserve. Call us at (215) 822-7575 or fill out our contact form.
Rubin, Glickman, Steinberg & Gifford P.C.
Pennsylvania Attorney's
June 22, 2024
