Category: Pennsylvania Accident Lawyers

Wage loss coverage is optional, and if added onto your policy then your insurance company is required, by law, to pay 80% of your gross income when you cannot return to your job from injuries sustained in the collision. Most people only have minimal wage loss coverage on their policy.

Most people believe a hit and run driver is defined as having actually hit or collided with your vehicle. However, in Pennsylvania a vehicle does not have to touch your vehicle to be the cause of an accident, this is known as a phantom driver.

Underinsured motorist coverage protects you and your loved ones in the event that you are a victim of a negligent driver who is underinsured. For example, earlier we explained that the minimum coverage required by law is $5,000 for medical expenses.

Uninsured motorist coverage protects you and your loved ones in the event that you are involved in an collision due to a negligent driver who is uninsured. Though it is required by law that everyone operating a motor vehicle be insured, there are still many people who drive without car insurance.

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.

Many people feel that since they have insurance there is no need to involve a lawyer after an accident or injury because by law, the insurance company must act in good-faith with their clients.