How Car Insurance Works
Pennsylvania Car Insurance
There is some confusion over how car insurance works in Pennsylvania. Whether you’re injured or shopping for insurance coverage, we put together this article to help you. Contact us with any questions.
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Shopping for insurance is confusing. Contact us for a free review of your current policy. Or, if you’re shopping for car insurance in PA, we’ll explain the options you should have.
Car Insurance In PA
When it comes to car insurance, Pennsylvania is a “no-fault” state. But, you have a choice when purchasing car insurance. Full tort or limited tort. We explain the difference between full and limited tort insurance.
When it comes to car accidents, the laws are confusing. In Pennsylvania, it doesn’t matter who was at fault. Your car insurance covers the damage to your own vehicle. If you don’t have the right coverage, you’re out of luck. Pennsylvania state minimum car insurance won’t cover much. You can pursue a claim against the at-fault driver for reimbursement.
In many cases, your car insurance covers your medical bills. But, your insurance only covers up to your policy limits. After that, you pay the medical bills out of pocket. Of course, if you are injured you can file a claim against the at-fault driver.
When To Sue The At-Fault Driver
If your car is the only thing damaged in an accident, you don’t have too many options. Your policy will cover the damage to your car. Your insurance will work with the at-fault driver’s insurance for reimbursement.
But, when you have an injury you should talk to a lawyer. Depending on your coverage, you could have options. There may be money from the at-fault driver’s insurance to cover you.
In Pennsylvania, the statute of limitations is 2 years for most injury claims.
An experienced lawyer can get you money for bills, lost income, and more. With full tort insurance, you can even seek money for pain and suffering. Additionally, it is possible to overcome limited tort in certain situations.
What are your options if the at-fault driver doesn’t have insurance? Often, your uninsured and underinsured coverage will pay the bills up to your policy limit. Again, talk to a lawyer about your exact situation for help.
If you are a bicyclist or pedestrian injured by an uninsured driver, there are still options. Your might have injury coverage under your own insurance policy. Additionally, Pennsylvania has a fund to help uninsured people in this situation. Contact us for information.
Lancaster Car Accident Lawyer
The lawyers at Haggerty & Silverman are car accident experts. We investigate all available coverage to get you the money you deserve. Don’t get stuck with the bills! Call or text us at 717-397-3200 to discuss your case. Or, use our online form to schedule a free car accident consultation.
At Haggerty & Silverman, we always provide free consultations. You never pay us unless we recover money for you.