Talking to Insurance Companies After a Philadelphia, PA Car Accident – Who Should You Talk To?

By a Philadelphia Car Accident Lawyer

Drivers and passengers injured in Philadelphia car accidents may receive financial compensation from the at-fault drivers’ insurance company via their liability coverage. Injured individuals may also think that their medical bills related to their car accident injuries are also covered by the at-fault driver’s insurance policy, but this is not true. The injured individuals’ own insurance company covers their medical expenses via PIP coverage.

In order to get financially compensated and get their medical bills paid for, many do not know how to start the process. Who do they need to call, their own insurance company or the at-fault driver’s insurance company?

Report the Accident to Start the PIP Claim After a Philadelphia Car Accident

Pennsylvania is a no-fault state. This means that regardless of who caused the accident, the injured driver/passenger’s own auto policy covers the medical bills related to the injures caused by the car accident, up to the limit purchased. Therefore, the injured driver/passenger would call their car insurance company to report the accident. Thereafter, the injured driver/passenger would receive necessary PIP forms to complete from their own insurance company necessary.

When seeking medical treatment, injured individuals should provide medical providers with their car policy information and not their health insurance information.

It is important to note that your PIP covers medical expenses up to the limit purchased. The minimum a driver must have on their PIP coverage is $5,000. If the PIP coverage is exhausted, then the next level of coverage is injured driver’s health insurance.

Starting a Liability Claim

It is best to have a Pennsylvania personal injury lawyer help you with the liability claim. Your lawyer would call the at-fault driver’s insurance company to inform them that you are represented and get the ball rolling.

It is not a good idea to call the at-fault driver’s insurance company yourself. The reason is because you may say something that may be used against you later. If the at fault-driver’s insurance company calls, you do not have an obligation to talk to them either. You can simply refuse to talk to them and refer them to your lawyer.

Help After a Philadelphia Car Accident

If you or a loved one was injured in a car accident in Philadelphia or other parts of Pennsylvania, call Jordan Namerow, a Philadelphia personal injury lawyer. Mr. Namerow has helped countless car accident victims. Call to schedule your FREE consultation. 215.985.0777

Car accident cases accepted in Philadelphia, Delaware County, Montgomery County, and throughout other parts of Pennsylvania and New Jersey.

FREE CONSULTATIONS (215) 985-0777

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