Pennsylvania Insurance Law: How to Handle Auto Accident Claims

Pennsylvania, known for its beautiful landscapes and vibrant cities, is unfortunately also a place where auto accidents can occur. Understanding Pennsylvania insurance law is crucial for anyone involved in a car accident in the state. This article will guide you through the essential steps to handle auto accident claims effectively under Pennsylvania's insurance laws.

Understanding Pennsylvania's No-Fault Insurance System

Pennsylvania operates under a "no-fault" insurance system. This means that after an auto accident, each party's insurance pays for their own medical expenses and other related costs, regardless of who is at fault. In Pennsylvania, drivers are required to carry a minimum of $15,000 in bodily injury liability coverage per person, and $30,000 per accident. It’s advisable to consider higher limits to better protect yourself.

Identify Insurance Coverage Options

In Pennsylvania, drivers have the option to choose between two types of insurance: Full Tort and Limited Tort. Full Tort allows you to sue for pain and suffering regardless of the accident's severity. However, this option generally comes with higher premiums. Limited Tort restricts your ability to sue for pain and suffering unless you meet specific criteria, such as severe injury, but it typically comes with lower premiums.

Steps to Take After an Auto Accident

Handling an auto accident claim involves several crucial steps:

1. Ensure Safety: First and foremost, check for injuries and the safety of all parties involved. Move to a safe location if possible.
2. Call the Police: Contact law enforcement to report the accident. Having an official police report can help substantiate your claim.
3. Exchange Information: Collect names, contact information, insurance details, and license plate numbers from all drivers involved.
4. Document the Scene: Take pictures of the accident scene, vehicle damage, and any visible injuries. These can serve as vital evidence later.
5. Notify Your Insurance Company: Report the accident to your insurer as soon as possible. Provide all necessary details and documentation.

Filing Your Claim

When filing a claim, it’s essential to be prepared. Here’s what you need:

• Medical Records: Keep all medical records and bills related to the accident.
• Evidential Photos: Submit any photos taken at the scene as part of your claim.
• Witness Statements: If there are any witnesses, their statements can bolster your case.

Submit your claim to your insurance company along with the necessary documentation. It's important to follow their specific procedure and comply with all deadlines.

Seek Legal Assistance If Necessary

If you encounter difficulties with your claim, or if the insurance company denies your claim, you might want to consult with a qualified personal injury attorney. An attorney can help you navigate complex legalities, negotiate with insurance companies, and ensure you receive the compensation you deserve.

Conclusion

Auto accidents can be overwhelming experiences, but being informed about Pennsylvania insurance law can make a significant difference in handling your claim. By understanding the no-fault system, taking the correct steps after an accident, and knowing when to seek legal help, you can effectively manage the aftermath of an auto accident and secure the compensation you need to recover.