Pennsylvania Auto Insurance Company FAQ
After undergoing the pain of a car accident, the last thing any of us want to think about is dealing with insurance companies. We’ve compiled the following list of frequently asked questions to answer some of the common concerns victims of car accidents in Pennsylvania have.
I was involved in a Philadelphia car accident. Who will pay for my medical expenses and vehicle repairs?
It depends on what kind of Pennsylvania auto insurance you have. In this state, drivers can purchase either “no-fault” auto insurance, or liability insurance.
Who Pays If I Have No-Fault Pennsylvania Auto Insurance?
No Fault auto insurance was designed to keep auto accident cases out of the court system, ultimately saving Pennsylvania’s residents time and money. If you have No Fault insurance, your medical bills and vehicle repairs will be paid for by your own auto insurance carrier, no matter who was responsible for the accident. Generally, the limit allowed for no fault auto insurance is enough to cover minor medical injuries. In cases of serious injury, requiring costly medical treatment, you are allowed to file a liability insurance claim or a personal injury lawsuit, with the help of an experienced Philadelphia car accident attorney.
Who Pays If I Have Liability Auto Insurance In Pennsylvania?
If you have purchased a liability-based auto insurance policy in Philadelphia, the other driver’s insurance company will pay for your necessary medical treatment and any automobile repairs. They will reimburse you for these expenses whether or not the other motorist was responsible for your car accident. Ultimately, the two auto insurance companies will determine fault for the crash, and then reimburse one another based on liability. But none of that affects the drivers involved in an accident. In the event that you were responsible for the crash, the other driver will be compensated from your liability insurance. If the other driver was responsible, you will be reimbursed through their liability policy. The fault-finding process often hinges on thorough reporting of the accident; to learn how you can help in the search for liability, visit our Philadelphia Car Accident Scene FAQ.
I was in a Pennsylvania car accident, but the other driver doesn’t have auto insurance. What can I do?
In Pennsylvania, you are allowed to purchase Uninsured and Underinsured Motorist Insurance Coverage for situations like this. In the event that the other driver was responsible for the accident, but has no insurance on their vehicle, your insurance agency will pay for your medical treatment and lost wages.
I’m being sued by the other driver in my car accident. What are my options?
If you are notified that the other driver is bringing a personal injury lawsuit against you, contact your auto insurance carrier immediately. If you are being sued for the amount of your auto insurance policy or less, your insurance company will assign you an attorney to handle the case. If you are being sued for more than your policy covers, you will most likely require the services of an auto accident lawyer with experience in Philadelphia. Contact Philly Car Accident Guys to learn more about your legal options.
I want to sue the other driver in my auto crash. What should I do?
If you have sustained injuries in a car accident in Pennsylvania, and believe that the other driver was responsible for your crash, you may be entitled to compensation for medical expenses, lost wages, and car damage. Contact the experienced attorneys at Philly Car Accident Guys immediately to begin reviewing your case.
How can a personal injury lawyer help me after my car accident?
After determining that our car accident attorney services can help in your case, we will immediately file a claim with the other driver’s auto insurance company. Prompt action is extremely important in these situations, and a Philadelphia personal injury lawyer’s expertise and extensive knowledge of Pennsylvania State law will prove invaluable in securing the maximum compensation you deserve.
If the insurance company’s settlement offer is unacceptable, we will help you decide whether or not you want to file a personal injury lawsuit. If so, our car accident attorneys will swiftly confer with your medical professionals, to determine the extent of your injuries, and professional accident investigators, to reconstruct your accident. With a comprehensive understanding of the evidence pertaining to your case, we will fight aggressively for your best interests.
Are the legal services of a Philadelphia Car Accident Lawyer expensive?
The attorneys at Philly Car Accident Guys are committed members of the Pennsylvania community. We believe that everyone should have access to affordable, comprehensive personal injury legal counsel. That’s why we offer a free consultation to all victims of Pennsylvania car accidents wishing to explore their legal options. In addition, our lawyers always work on a contingency-fee basis, which means you don’t pay us anything unless we win your case.
For more information, call our car accident lawyers at (215) 864-0040 or complete our online contact form.