What Compensation Can I Recover After A Vehicle Accident In Pennsylvania?

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Christopher J. Marzzacco - Personal Injury - General - Super Lawyers

Answered by: Christopher J. Marzzacco

Marzzacco Niven & Associates
Harrisburg, PA
Phone: 717-622-2134
Fax: 717-231-1650

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No one expects to be in a car accident — and few are truly prepared to deal with the aftermath of a car accident. The most pressing need is often seeking medical attention. But soon after, accident victims will be forced to deal with insurance issues, medical bills, and often, the inability to work. 

When the accident is caused by a negligent driver, the victim may be eligible for significant compensation. There are many factors that can affect what compensation an accident victim may be eligible to receive. 

In Pennsylvania, motorists have the option to choose from limited tort or full tort coverage: 

  • Limited tort insurance covers only the actual damages from the accident, such as lost wages and medical bills.
  • Full tort insurance covers those expenses as well as noneconomic damages such as pain and suffering, disfigurement, loss of enjoyment, and more. 

There are numerous exceptions to the limited tort laws — many of which can help the victim. It is advisable to work with an attorney who understands these exceptions and how to protect the victim’s rights at every step of the legal process. 

What If I’m Hit By An Uninsured/Underinsured Motorist In Pennsylvania? 

Accidents involving uninsured or underinsured motorists are quite common in Pennsylvania. Fortunately, accident victims are typically covered under their own auto insurance policy. Many policies contain coverage for accidents involving drivers who have no insurance or too little insurance. 

If your accident was caused by an uninsured/underinsured motorist, talk to an attorney who can evaluate your insurance policy and help you seek compensation to cover all accident-related expenses. 

Fortunately, when you make a claim for uninsured/underinsured motorist accidents, your insurance premiums won’t go up. 

After An Accident, Should I Cooperate With The Other Driver’s Insurance Company? 

Generally, you should avoid talking to the other driver’s insurance company following an accident. They may tell you they need a statement from you to process and evaluate your claim, but this is not true. 

Anything you say to them could end up hurting your case. This is especially risky when you are recovering from serious injuries, on pain medications and potentially unable to give an accurate, informed statement about what happened. 

You should, however, cooperate with your own insurance company. You are required to provide a statement to your insurance company. If you contact our law firm soon enough, we can help facilitate that statement and conversation. 

You may be eligible for compensation to cover medical bills, hospitalization, lost wages, property damage, pain and suffering, and more. Talk to an attorney from our firm to discuss your specific options, and find out what compensation you may be eligible to receive.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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