Q

Get a Free Consultation

(215) 985-0777

    Spam Filter:  

    Q
    Get a Free Consultation

      Spam Filter:  

      PA Motor Vehicle Accidents – No-Fault Law

      {

      Jordan was always available to me, anytime I had questions or concerns. I was given five star treatment and would recommend him to anyone looking for first class representation.

      {
      5
      A. G.
      Phila. SEPTA Bus Accident Case
      {

      Jordan Namerow is a lawyer who goes above and beyond. I would highly recommend him to anyone seeking legal representation on a personal injury case.

      {
      5
      April G.
      Philadelphia Car Accident Case
      {

      I felt like I could discuss not only the situation but my personal and private feelings. I felt secure in all things and felt I could always trust their opinion.

      {
      5
      Kathleen M.
      PA Personal Injury Case
      {

      I was working with people I could trust. I felt they handled everything perfect. They kept me well informed and up to date.

      {
      5
      J. P.
      PA Car Accident Case
      {

      Jordan is the most respectable, professional, sincere, and caring individual we’ve ever met. He will always hold a special place in our hearts.

      {
      5
      K. D.
      NJ Fall Accident Case
      {

      They took away the burden of the whole expenses of the huge medical bills. They made us feel like family.

      {
      5
      Eric M.
      PA Personal Injury Case
      {

      Mr. Namerow is a very polite and professional person and handled our case in an excellent and appropriate manner.

      {
      5
      Vivian R.
      Phila. Slip & Fall Accident Case
      {

      Communication was always clear, and my questions were always answered promptly. He went above and beyond accommodating my hectic schedule.

      {
      5
      Kimberly K.
      NJ Car Accident Case
      {

      We are very happy and thankful to the law firm for their fantastic service, we know that you genuinely had our best interest at heart.

      {
      5
      R.S.
      Phila. Car Accident Case

       

      Car, truck and pedestrian accident cases accepted in Philadelphia, Delaware County, Montgomery County, and throughout other parts of Pennsylvania and New Jersey. FREE CONSULTATIONS (215) 985-0777

       

      Pennsylvania No-Fault Insurance Law

      Under the Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL), every car insurance policy issued in this state must provide a minimum of $5,000 of medical bill coverage for auto accident injuries. This coverage is available without regard to fault. In other words, it doesn’t matter who caused the accident. As long as you’re covered under a car insurance policy issued in this state, you can make a PIP claim for medical bills if you’re injured in a car, truck, pedestrian or bike accident.

      Example 1: You are driving your own car in downtown Philadelphia and run a red light, causing a car accident. You hurt your neck and need medical treatment.

      Example 2. You are driving your friend’s car on I-76 in Montgomery County (you have your own car insurance policy). You are injured in a car accident caused by someone else who veers into your lane and sideswipes you.

      In both examples, you would make a PIP claim for at least $5,000 of medical bills (the state minimum) under YOUR OWN car insurance policy. This is how Pennsylvania no-fault insurance works. If you’re injured, you make a claim for medical benefits under your own policy, even if, as in the second example, another person caused the accident.

      Related: PA Car Insurance Terms You Should Know if You’re in Accident

      Personal Injury Protection (PIP) Benefits

      Aside from the mandatory state minimum of $5,000 for medical benefits, car insurance companies are required to offer additional PIP benefits, which include:

      • additional medical benefits (up to at least $100,000),
      • extraordinary medical benefits (over $100,000, up to $1,100,000),
      • wage loss (up to at least $2,500/month, to a max of at least $50,000),
      • death benefits (up to at least $25,000),
      • funeral expenses ($2,500).

      These additional PIP benefits, which are also known as First Party Benefits, are optional. So, it’s important to check your most recent car insurance policy to know whether you opted for these benefits.

      No-Fault Insurance Ineligibility

      No-fault law doesn’t apply to accidents involving:

      • motorcycles or other motorized bikes,
      • off road vehicles, or
      • mopeds.

      In addition, if you are the owner of a car that’s currently registered in PA and you don’t have car insurance, you’re barred from making any no-fault insurance claims for medical bills. This applies if you mistakenly let your car insurance policy lapse.

      What to Do After PIP Exhausts (or You’re Ineligible for PIP)

      What happens after the $5,000 minimum amount of PIP benefits runs out, or you’re ineligible because you were injured in a motorcycle accident? Your own private health insurance, Medicaid or Medicare would apply. This means that you’d be responsible for any co-pays or deductibles.

      If the accident was caused by someone else, you may have legal rights to recover your financial losses and pain and suffering caused by the injuries. By filing a car accident injury lawsuit in Pennsylvania, you may be able to obtain compensation for:

      • medical bills (not paid by PIP),
      • lost wages,
      • out of pocket expenses, and
      • pain and suffering.