Car accidents are traumatic in many ways. Not only are they emotionally draining and physically debilitating, they are mentally stressful because of the financial and insurance-related issues they generate. This is especially so in Pennsylvania, which is one of twelve states governed by a no-fault system, and one of three states with a choice-no-fault program. The Philadelphia car accident lawyers at Reiff and Bily can drastically minimize the amount of stress you experience following a car accident by clearly explaining the scope and limitations of your auto insurance policy.
What’s Unique About Pennsylvania’s No-Fault Coverage?
Under Pennsylvania’s no-fault system, a driver is compensated for injuries through his or her own insurance policy, regardless of who caused the accident. Medical benefits in Pennsylvania are covered by what is called PIP, or Personal Injury Insurance. PIP covers the medical benefits for you and others included in your policy, regardless of fault. Each Pennsylvania driver must carry a minimum of $5,000 of PIP coverage.
Personal Injury Protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages.
Pennsylvania drivers must also have two other types of coverage: bodily injury liability and property damage liability. Bodily injury liability pays for the medical and rehabilitation expenses of anyone you injure in a car accident for which you are found liable.
The minimum limit is $15,000 per person/$30,000 per accident; the $15,000 pays for injuries to one person, while the $30,000 is the total available to all claimants for one accident. Property damage liability covers the cost of repairing or replacing property damages that you caused in an accident for which you are found liable.
The minimum limit is $5000 of coverage.
Under Pennsylvania’s choice-no-fault system, drivers can choose between two insurance options: full tort or limited tort. “Tort” is a legal term meaning civil wrongdoing, and the choice of tort determines your rights to sue for damages following an accident. With full tort, you can sue in court for all damages. With limited tort, you are able to recover all out-of-pocket medical and other expenses, but you cannot recover damages for “pain and suffering” – unless the accident has resulted in “death, serious impairment of bodily function, or permanent serious disfigurement.”
The Difference Between Full Tort & Full Coverage
Unfortunately, many drivers believe that “full coverage” means “full tort” – which it does not – and are surprised to discover after an accident that their coverage is not as extensive as they thought. In truth, to be fully covered for a car accident in Pennsylvania, you need to have purchased two types of optional coverage in addition to mandatory coverage: uninsured motorist (UM) coverage, and underinsured motorist (UIM) coverage. But, even if you do not have full coverage, the car accident lawyers at Reiff and Bily can help you attain the best levels of compensation possible following an accident. We have done so for tens of thousands of drivers in the last two and a half decades.
Similarly, many drivers are disappointed when they discover that limited tort prevents them from suing for pain and suffering. Indeed, very few lawyers are capable of recovering compensation in such cases. But the lawyers at Reiff and Bily have demonstrated repeatedly that they can do so. They have attained significant compensation for injured parties with limited tort insurance plans.
Proving Fault for Your Accident
Regardless of whether one has full tort or limited tort auto insurance, proving fault is critically important for any accident. It requires painstaking investigation of facts and evidence, careful studying of investigative reports, and exploration of every possible factor that could have contributed to the accident—such as unsafe road conditions, inadequate warning signs, or defective traffic safety devices. The car and truck accident lawyers at Reiff and Bily have been handling car, truck, and drunk driving accidents for decades, and have recovered enormous amounts for victims of negligent driving.
Being involved in a serious car accident is an emotionally wrenching experience. Few people truly understand the psychological impact accidents have on victims and their families. The lawyers at Reiff and Bily, though, are a rare breed of car accident lawyers. They truly care about the losses experienced by victims and their families.
And, accordingly, they fight hard on behalf of their clients to attain compensation for pain and suffering, lost wages, permanent disabilities, loss of enjoyment, and other associated expenses—as well as medical expenses. The Philadelphia car accident lawyers at Reiff and Bily have received the highest acclaim both nationally and in the state of Pennsylvania from their peers and thousands of satisfied clients.
Call An Attorney Who Fights For You
If you or someone you love has been seriously injured in an accident, call Reiff and Bily at 800-421-9595, or contact us online. And, please, do not accept a settlement agreement from an auto insurance company before speaking to us. Auto insurance companies are trained to give you minimal compensation.
The reality is that most people do not even know what kind of insurance they have until after an accident has occurred. So, be smart. If you have not been involved in an accident and want to be prepared in case one should happen, ask the lawyers at Reiff and Billy for help in choosing the right automobile insurance. Indeed, there is no better way to minimize the stress caused by an accident than to be properly covered before one happens.
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