Personal Injury Protection (PIP), also known as First Party Benefits, mandatory in Pennsylvania. PIP benefits are “no-fault” insurance benefits that cover the medical bills incurred by the policy holder and any named insureds and resident relatives injured in a car accident. No-fault insurance coverage entitles the policy holder to reimbursement for medical expenses incurred as a result of an auto accident, regardless of who was at fault. So, if you are injured while climbing out of the back of your pick up truck, your medical bills are covered by your insurance. Your insurance premiums do not go up when you make a PIP claim. In Pennsylvania, drivers are required to carry a minimum of $5,000 in medical coverage. The level of coverage purchased in the policy determines the maximum amount that is paid out to the driver, passengers, or any resident family members injured in an auto accident. PIP coverage also covers the insured or a family member injured while riding in or driving another car, and when the victim of a pedestrian accident.
Suffering injuries caused by the negligence of another driver can be a big inconvenience. Lost wages and medical expenses can have a huge financial impact and there’s a chance that insurance may not cover all of these costs.
Philadelphia car accident victims involved in an accident that was not their fault may be eligible for additional compensation of medical expenses as well as for pain, suffering, inconvenience and disfigurement. A Pennsylvania car accident lawyer can answer questions about auto accident compensation.