Getting into a vehicle accident is not on the top of anyone’s list of things to do. However, we know that accidents are a reality. We see them every day as we ride around, but when they happen to us, they are unexpected. In the confusing aftermath of an accident, you need to know who is going to pay for damage and injury expenses. A PA car accident lawyer can help you get through this process.
Today, SMT Legal wants to discuss some of the ways you can reach a settlement after a PA car accident.
If you chose no-fault insurance
Pennsylvania has a few options when it comes to auto insurance. There is a no-fault option and a full tort option that is more expensive.
If you went with no-fault insurance, you will file an insurance claim for personal injuries and out-of-pocket expenses with your own insurance company through your personal injury protection (PIP). The benefits of no-fault coverage are that you do not have to prove fault to receive this coverage, and you can get it fairly quickly.
However, going with the no-fault insurance plan leaves you with very limited options when it comes to pursuing coverage for medical expenses beyond the minimums covered and you cannot get compensation for non-economic losses such as pain and suffering damages.
In the event of a serious injury
You can file a personal injury claim under the no-fault system if your injury is considered “serious” under PA law. This typically means that the injury impairs bodily function or has seriously or permanently disfigured you. Some of the serious injuries we typically deal with include:
Full tort insurance
If you choose the full tort insurance route, you have more options when it comes to getting a settlement in the aftermath of an accident. With this insurance, you do not give up your rights to file a personal injury claim against an at-fault driver, and you can file a claim even if the injury is not considered “serious” under the law.
With full tort coverage, you can recover compensation for the following:
- All of your medical expenses related to the incident
- Lost income and benefits if you cannot work
- Your out-of-pocket expenses related to the incident
- Pain and suffering damages
- Loss of enjoyment of life damages
Covering property damage
PA’s no-fault insurance only applies to injuries after a crash. You can still file a claim against an at-fault driver to recover compensation for damage to your vehicle.
Making the right choice
You have to choose the insurance plans that work best for you and your family. You never want to be put into financial jeopardy due to the carelessness or negligence of another person. At SMT Legal, we are here to help when you need a Pennsylvania car accident attorney. You can contact us for a free consultation by clicking here or calling 1-888-976-2529.