When you are injured in an automobile accident in Pennsylvania your insurance company is required, by law, to pay your medical bills up to the amount of your coverage. Medical bill coverage is mandatory for every person who purchases auto insurance and, except for motorcycles, the minimum amount required by law is $5,000. If the minimum amount is chosen and injuries from your collision require more than $5,000 worth of medical treatment, your insurance company will not pay the remaining balance.
Your insurance premiums cannot be increased if the insurance company has to pay money for your medical bills, wage loss, or any other reason related to an collision. The only way an insurance company can increase your insurance rates due to an collision is based on “risk.” That is, if the collision is more than 50% your fault then you are more at “risk” and only then may the insurance company increase your or your loved one’s insurance premium.
Personal Injury Protection Coverage (PIP)
Personal Injury Protection Coverage protects you, others in your vehicle, pedestrians struck by your vehicle, any relatives in the same household as you, or other authorized drivers of your car, in regards to medical, hospital, and funeral expenses that may arise as a result of your collision. PIP coverage also protects you and family members if they are injured while riding in someone else’s car or as a pedestrian if they are struck by another vehicle.
Personal Injury Protection Coverage is ideal for people who do not have a health insurance policy of their own. It is also good to add PIP onto your insurance plan if you carpool or frequently have passengers in your vehicle.
A car accident is traumatizing enough, fighting with your insurance company or stressing over how you’re going to pay your bills shouldn’t be your focus; your focus should be on recovering and putting your life back together.
Our Pennsylvania Accident Lawyers Can Help
It is of the utmost importance that you hire our Pennsylvania accident attorneys to handle your car accident claim; it has been proven that personal injury victims obtain far more money once they hire an attorney.
Never agree to a quick settlement. The job of an insurance adjuster is to pay you the least amount of money possible to settle your claim. There are many exceptions and technicalities to battling the Insurance Companies that if you are not aware of could cost you hundreds of thousands of dollars. Our Pennsylvania car accident lawyers are experts when it comes to dealing with insurance companies and will fight aggressively on your behalf to get you or your loved one the compensation you deserve.
Please, call our local numbers in Milford, Pottsville, Lock Haven, Montrose, Stroudsburg, Bloomsburg, Wilkes-Barre, and Scranton for a free consultation. You can also call us toll free at 1-800-444-5309 as we represent all Pennsylvania residents.