What is Personal Injury Protection (PIP)?
Personal Injury Protection is a type of auto insurance coverage that provides first-party benefits for medical expenses, loss of income, funeral expenses, and similar expenses without considering fault. In Pennsylvania, coverage includes $10,000 in medical benefits, $5,000 in death benefits, and $2,500 for non-emergency medical conditions.
According to the Insurance Information Institute (III), Personal Injury Protection is “an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages.” Importantly, this protection covers costs for policyholders regardless of who is at fault in an accident. PIP coverage is designed to ensure prompt medical treatment and financial support for individuals injured in auto accidents, without the need for lengthy legal proceedings to establish fault.
Personal Injury Protection is particularly beneficial for minor accidents where fault is unclear, and states with no-fault insurance law, as it provides immediate coverage, reduces litigation, and provides comprehensive protection. Understanding Personal Injury Protection is crucial for drivers to make informed decisions about their auto insurance coverage, ensuring they are adequately protected in the event of an accident.
More information about Personal Injury Protection
Is Pennsylvania an At-Fault State?
Who Will Pay My Insurance Claim After a Car Accident in Pennsylvania?
All car accidents are, without a doubt, stressful experiences. Even once the initial shock has warn off, you still have so much to consider, including your physical, mental, and emotional recovery. There may be medical expenses and medical bills, property damage, and more. A car accident is not something anyone wants to endure.
Navigating the insurance process can be one of the most overwhelming parts of any car accident case. If you’ve never gone through the claims process before, it can be confusing; and even if you have, no two cases are alike. It’s not uncommon to start getting calls from the insurance company just a day after an accident.
One of the things that can make understanding the claims process so difficult is that it’s incredibly different from state to state. […]
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Who Determines Fault in a Car Accident?
Parties Who Determine Fault in Car Accident
If you’ve been injured in a car accident, one of the first things you might think is “That was not my fault!” Once the immediate stress of the accident wears off you might start wondering, “But how do I prove that? Can I prove that? Who actually determines the fault in a car accident?” Fault is not necessarily decided by one party. Rather, the police report, your insurance company, and sometimes the other driver play a role in determining fault in car accidents.
In order to recover compensation for damages in an auto accident, you should consult an experienced car accident lawyer. The team at Munley Law Personal Injury Attorneys has decades of experience helping the victims of car accidents and we’re here to offer a free consultation and free case review today. […]
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What Should I Do If I Am Involved in Lyft Car Accident? or Hit by an Uber Driver?
If your car is hit by an Uber driver or you are involved n a Lyft car accident, you may be able to collect damages, especially if you were injured. In general, it will largely depend if the driver was “on the clock” when they hit you, or if they were driving as an individual. This will determine who is responsible for your losses.
If you were involved in an accident with a Uber, Lyft or another rideshare driver, the car accident attorneys at Munley Law Personal Injury Attorneys can help you through the legal process.
What You Need to Know About Uber or Lyft Car Accidents
Who you can take legal action against following a car accident involving a rideshare driver will depend if the rideshare driver was logged into the app and working, […]
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What Happens if the At-Fault Party Doesn’t Have Car Insurance?
What to Do In Car Accident with Underinsured or Uninsured Motorist
You may be asking yourself, If I’m involved in a car accident, and the at-fault driver doesn’t have car insurance, what happens to me? In Pennsylvania, that answer largely depends on the type of insurance coverage you have, including underinsured motorist coverage. Typically, however, you can file a compensation claim with your own insurance company or file a personal injury or car accident lawsuit against the other driver.
Pennsylvania Drivers Are Required to Carry Insurance
In Pennsylvania, drivers are required to carry insurance coverage. Known as no-fault or Personal Injury Protection (PIP) coverage, no matter who is at fault in the accident, the initial medical bills are covered by your own insurance company, […]
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Car Accidents and Insurance Coverage
Car Accidents and Insurance Coverage
The moments after you’ve been injured in a car accident can be the scariest of your life. Your first concern will be getting treatment for your injuries or your loved ones. Then, you will have to deal with your auto insurance.
You’ll want to be prepared on what kind of car and personal injury insurance you have, and what to do when insurance companies come calling. In Pennsylvania, insurance companies are trained to limit the liability they will pay. It’s important you have the representation on your side to fight for what you deserve.
Just last year, almost 300,000 Pennsylvanians crashed, according to the Pennsylvania Department of Transportation‘s (PennDOT) annual Crash Facts and Statistics Report. The lawyers at Munley Law Personal Injury Attorneys have been representing car accident victims across Pennsylvania for more than 60 years. […]
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