Pennsylvania is one of the minority of U.S. states that has some form of a no-fault auto insurance law (Title 75 § 1713). Personal Injury Protection (PIP) insurance is a type of no-fault coverage that can help to pay for certain costs after a crash. Here, our Philadelphia car accident attorney explains the most important things that you should know about how PIP coverage works in Pennsylvania.
Three Key Facts About PIP Insurance in Pennsylvania
1. PIP is No-Fault Insurance That Covers Medical Costs
Pennsylvania’s PIP insurance follows a no-fault system, meaning your own insurance will cover medical expenses and certain other costs no matter who was responsible for the accident. The state requires all drivers to carry at least $5,000 in PIP coverage, but higher coverage limits are available. This system is designed to provide quick access to medical benefits without the delays of proving fault.
2. PIP Can Cover Medical Bills and Lost Wages
PIP insurance primarily covers medical expenses, but it may also help replace lost wages if your injuries prevent you from working. However, coverage is subject to policy limits, and PIP does not cover all accident-related damages. It’s also important to understand that Pennsylvania law allows drivers to choose between “limited tort” and “full tort” coverage, which affects their ability to pursue further compensation.
3. You Can Step Outside the No-Fault System After a Serious Crash
While PIP provides immediate financial relief, it does not cover pain and suffering or other non-economic damages. Pennsylvania law allows you to pursue a fault-based claim against the at-fault driver if your injuries meet certain thresholds of severity. Choosing full tort coverage gives you the right to sue for pain and suffering, while limited tort coverage restricts lawsuits unless the injuries are serious. An experienced Philadelphia car accident lawyer can help determine whether you have grounds for a fault-based personal injury claim.
Why Trust Quinn Injury Lawyers for Your PIP Insurance Claim?
PIP claims can be complicated, and insurance companies often try to minimize payouts. At Quinn Injury Lawyers, we have extensive experience helping injured victims maximize their PIP benefits and, when necessary, pursue full compensation through a fault-based claim. Our firm has recovered millions of dollars for clients, and our client testimonials speak to our success.
Our Philadelphia PIP insurance lawyers are ready to:
Listen to your story and answer your most pressing insurance questions
Investigate your accident and gather the necessary evidence
Handle all communications with insurance companies
Fight to secure the maximum compensation for your injuries
Contact Our Philadelphia PIP Insurance Attorneys Today
At Quinn Injury Lawyers, we are committed to helping injured victims navigate the complexities of PIP insurance and secure the compensation they deserve. Call us today or contact us online to schedule a free, no-obligation case review. From our Philadelphia office, we proudly serve clients throughout Southeastern Pennsylvania.