What is a No-Fault Insurance Policy?

                By on December 1st, 2018 in Blog

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Being in a car accident is bad enough in and of itself but all the many of the most devastating aspects are what follows the initial crash. Hospital stays, doctor visits to help recover from catastrophic injuries, and dealing with the dreaded insurance companies can be exceptionally frustrating and expensive if you do not understand the nuances of Pennsylvania’s automobile accident laws.

If you have auto insurance, then you may know that Pennsylvania has what are called no-fault laws. Understanding exactly what this means can help ease some of the frustration that comes along with being involved in a car crash. Filing a claim can still be difficult, however. If you have been injured in a car accident in Pennsylvania, it is in your best interest to contact a motor vehicle accident attorney immediately.

What is a No-Fault Accident Policy?

When a state adopts a no-fault accident policy, it means that all drivers are required to purchase something called personal injury protection alongside their traditional insurance policy. Under this protection, when someone is injured in a car accident, the costs are paid by their own insurance company regardless of details of the accident.

What is a No-Fault Insurance Policy?Determining how much you can receive in compensation after a car accident primarily depends on the type of insurance you and the other parties involved in the wreck. In Pennsylvania, most drivers have restrictive limits on their car insurance policy and their ability to sue for anything that is beyond medical costs.

Most insurance policies are either a limited tort or a full tort coverage policy. A limited tort policy is a policy that puts a monetary cap on the amount for which the driver may sue. If you chose to spring for the full tort policy, this means that you have essentially opted out of the no-fault system and have retained your rights to hire a personal injury attorney to sue for compensation that extends beyond just the medical costs of recovery. If you have the option, you should never try to handle your car accident claim alone.

Basic Insurance Requirements For All Pennsylvania Drivers

Like any other state, Pennsylvania has minimums insurance coverage requirements that motorists are obligated to have. Insurance policies can vary widely from full and helpful coverage to just enough to get by. The purpose of these minimums is to ensure that all drivers have a basic, adequate amount of coverage should something happen. Pennsylvania’s minimum insurance requirements include:

  • $15,000 dollars of bodily injury liability coverage per person and $30,000 of total coverage
  • $5,000 dollars liability coverage for property damage
  • $5,000 in first-party medical benefits coverage. This coverage covers the medical costs of the person who holds the policy.

Pennsylvania’s no-fault rule and various insurance coverage policies can be confusing and convoluted. People who have been involved in an auto accident often do not fully understand what they may be entitled to and can miss out on compensation they have a legal right to. Immediately following an accident, you should contact a Philadelphia car accident injury attorney to make sure you receive everything you’re owed. Once you accept the settlement that the insurance company’s lowball offer, you will not be able to hold those who are at fault fully accountable.

Philadelphia Car Accident Injury Attorney

At the law firm of Edelstein, Martin, and Nelson, our personal injury attorneys have spent decades helping Pennsylvania residents recover the losses that they deserve and are entitled to under the law. If you have been injured in a car accident in the state of Pennsylvania and would like to have a free consultation with a qualified personal injury attorney regarding your case, give us a call at (215) 731-9900 today.