Many people pay little attention to their auto insurance policies until an accident forces them to. Pennsylvania has a number of laws that apply to motor vehicle accidents. At Hagelgans & Veronis, we help clients understand these laws, and help them obtain maximum compensation for their injuries and damages.
For a free consultation about the state’s car insurance laws, call 1-877-454-8529, or contact us online.
Find out more detailed information about auto insurance laws in Pennsylvania.
Limited Tort and Full Tort Insurance Coverage
Motorists in Pennsylvania have to options for their non-commercial vehicle insurance: Limited tort and full tort:
Limited tort — Motorists pay less for limited tort insurance, but if an accident occurs, this type of insurance may not cover non-economic damages like pain and suffering, inconvenience, and in some cases, scarring unless you suffer “serious injury.”
Full tort — With full tort coverage, motorists have full legal rights and can recover r economic as well as non-economic damages regardless of the severity of their injuries.
If you have been in a car accident in Pennsylvania, you may come across the following terms when talking to your insurance company:
No-fault benefits — Also known as first-party benefits, these are benefits that an insurance company pays to the insured if he or she has been involved in a car accident, regardless of who is at fault.
Subrogation — May permit an insurance company (or another party paying the injured person’s medical bills) to seek reimbursement from the person or party legally responsible for causing the accident.
Uninsured motorist coverage — This type of insurance provides coverage to the insured and his/her family in the event of being injured by an uninsured driver. This coverage is optional under an insurance plan, but is highly recommended.
Underinsured motorist coverage — This type of insurance provides coverage to the insured and his/her family in the event of being injured by a driver who has inadequate liability insurance. In Pennsylvania, drivers can carry as little as $15,000 in liability insurance coverage. Uninsured motorist coverage is optional, but is highly recommended.
Valuing a Personal Injury Case
Most people who have been injured in a motor vehicle accident have the same question: How much is my case worth? Although there is no single answer to this question, there are a number of factors that are determine the value of your personal injury case:
- Who was at fault
- Severity and extent of injuries and damages
- Past and future lost wages
- The amount of medical and hospital bills
- The location where the lawsuit is filed.