If you’ve suffered an injury by another driver’s negligence in a car accident, you’re no doubt facing considerable medical bills and are likely wondering who is responsible for paying them.
This is an important matter that can directly affect your ability to reach your fullest recovery, which makes it in your best interest to discuss it with an experienced Pennsylvania car accident attorney.
What is Pennsylvania PIP Coverage?
Pennsylvania is what is known as a no-fault state when it comes to car accidents, which means that every driver is responsible for carrying personal injury protection coverage – or PIP coverage. Your PIP coverage will cover your medical bills after a car accident, regardless of who is responsible for causing your injuries.
While you are required to carry PIP insurance, the required amount is relatively low, and if you suffer serious injuries or injuries that require ongoing medical care, it’s unlikely to keep up.
An important note about this no-fault coverage is that even if you do receive compensation from the negligent driver’s car insurance provider, the payments made through your PIP policy do not require repayment.
What If Your PIP Coverage Runs Out?
Once your car insurance coverage is exhausted, you’ll turn to your health insurance policy. There is also the potential to obtain compensation for all the following from a claim with the at-fault driver’s insurance provider:
- The property damage to your vehicle
- Your medical bills
- Your lost wages
- Your pain and suffering
If this is the case, your health insurance provider may seek compensation for any medical bills it paid from the at-fault driver’s insurance company. Seeking compensation for the full range of losses you experience as a result of another driver’s negligence can play a critical role in your overall recovery.
Insurance Limitations
Your PIP policy only covers medical costs, and the serious nature of the injuries you’re likely to sustain in a car accident can quickly exhaust your set limit. This is not to mention that additional financial losses – including lost income and property damage to your vehicle – along with your physical and emotional pain and suffering can be overwhelming and should be adequately addressed in the face of injuries that were caused by someone else. This can make seeking compensation through the at-fault driver’s coverage an important move.
Turn to an Experienced Pennsylvania Car Accident Attorney for the Professional Legal Counsel You Need
Car accident claims are often exceptionally complicated, but obtaining just compensation that covers your complete range of physical, financial, and emotional losses is paramount to your fullest recovery. The adept Pennsylvania car accident attorneys at Luschas, Naparsteck, & Crane, LLP, dedicate their practice to skillfully guiding claims like yours toward advantageous outcomes – in focused pursuit of fair compensation.
We are on your side and here to help, so please don’t put off reaching out and contacting or calling us at 570-799-8809 for more information about what we can do for you today.
Car Insurance Claim FAQs
What does PIP cover?
Personal injury protection (PIP) refers to no-fault coverage that every Pennsylvania driver must carry. These policies pay medical bills that stem from car accidents up to coverage limits – regardless of where the fault lies.
Why would I file a claim with the other driver’s car insurance provider?
If your injuries are serious and exceed your PIP policy limits, seeking compensation through the at-fault driver’s coverage may be necessary to reach your fullest recovery. Personal injury claims of this kind allow you to seek compensation for your complete range of losses, including property damage, medical expenses, lost earnings, and pain and suffering.
Do I need a car accident attorney?
Car accident claims are notoriously complicated, and having a trusted car accident attorney backing you up can mean the difference between obtaining the compensation to which you are entitled and not doing so.
