You have many things to address if you sustain injuries in a car accident. In addition to dealing with time off work, treatments and pain, you must figure out how to pay your medical bills.
Determining the responsible entities for the payment of your medical care depends on the circumstances of your crash and the types of insurance involved.
What is a no-fault state?
You may assume the driver who caused your wreck pays your medical bills. However, in a no-fault state, the laws are complex. The parties involved in the accident collect compensation for damages from their own automobile insurance policies. Regardless of who is at fault, your medical benefits or personal injury protection coverage typically pays for your medical expenses.
How do full tort and limited tort insurance differ?
Pennsylvania has two auto insurance options: full tort or limited tort. Full tort coverage has more costly premiums than limited tort but safeguards more legal rights. This insurance type does not restrict your ability to seek financial compensation for bodily injuries and provides payment for:
- Medical bills
- Out-of-pocket costs
- Pain and suffering
- Lost wages
Limited tort policies pay for economic losses, such as vehicle damages and medical expenses. It does not compensate for permanent disabilities, pain and suffering, diminished quality of life or emotional distress.
It is important to note that limited tort insurance does not take away your right to sue for compensation. However, it does present significant challenges. You need a thorough understanding of Pennsylvania’s personal injury laws and your legal rights to recover the monetary damages you deserve.