The type of insurance coverage and the specifics of the accident are the two factors that Pennsylvanians take into account when determining which insurance company will pay in the event of a car accident. Drivers in Pennsylvania can choose between traditional and no-fault insurance because the state is a "choice no-fault" state.
Damages are normally covered by the at-fault driver's insurance in a conventional insurance policy. Regardless of who caused the accident, each party's insurance company covers their own losses under no-fault insurance. The goal being to minimize lawsuits and accelerate reimbursement.
The at-fault driver's insurance covers the loss if both parties have conventional insurance. When one party has no-fault insurance, the parties submit claims to their respective insurance companies. If the losses exceed the personal injury protection (PIP) limits or if the injuries meet a specific severity level, Pennsylvania law permits the at-fault party to be sued. There is a "comparative negligence" rule in Pennsylvania. Depending on the degree of fault, each insurance company may pay a portion if both drivers share fault.
A car accident lawyer often proves necessary in assigning blame, settling disputes with insurance providers, and guarantee just recompense. Legal advice is essential, particularly when there are serious injuries or disagreements about who is at fault. For a free consultation to discuss your case and determine your alternatives, call Munley Law.
