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
Lancaster County, PA – 5-Vehicle Wreck with Tractor-Trailer on Route 30 Injures 3
MANHEIM TOWNSHIP, PA (March 7, 2025) —A tractor-trailer and four other vehicles collided in Lancaster County, leading to the hospitalization of three people.
According to local news, the collision occurred on Route 30 Eastbound at the Lititz Pike/Route 501 exit around 6:30 a.m.
Officials reported that the tractor trailer crashed off the eastbound lanes, blocking Chester Road. A chain reaction was caused when vehicles failed to stop for the obstruction.
Three people were taken to the hospital, but no life-threatening injuries were sustained.
Officials continue to investigate.
Truck Accidents in Lancaster County
Chain-reaction crashes involving multiple vehicles frequently occur on Pennsylvania’s busy highways. The consequences become even more severe when commercial trucks become involved in multi-vehicle scenarios. This extreme weight disparity means truck accidents often result in catastrophic injuries or fatalities, particularly for occupants of smaller vehicles. […]
Read MoreMore information about Personal Injury Protection
Bucks County, PA – Person Rescued From Three-Car Crash
QUAKERTOWN, PA (March 6, 2025) — A crash between three cars in Bucks County occurred around 8:20 a.m., according to firefighters who were dispatched to the scene.
One person was trapped in their vehicle, requiring a side removal. Responders quickly stabilized the vehicle and freed the person before transferring them to EMS.
Hazard crews cleared the scene at the intersection of Park Avenue and South Main Street within an hour. The school bus involved in the crash reportedly did not have any children on it.
Officials continue to investigate.
Multi Car Accidents in the Philadelphia Area
Unlike simple two-car collisions, determining fault in multi-vehicle accidents often involves difficult investigations. Multiple parties may share varying degrees of responsibility, making these cases particularly challenging.
Pennsylvania’s comparative negligence laws add another layer of difficulty, […]
Read MoreMore information about Personal Injury Protection
York Lyft Accident Lawyer
Here in York County, the rising popularity of rideshare services has unfortunately led to more car accidents on busy routes like I-83, Route 30, and downtown Market Street. After an Uber or Lyft accident, you may face mounting medical bills, lost wages, and complicated insurance claims.
Rideshare accidents differ from typical car crashes. Multiple insurance policies often apply, and your compensation might depend on whether the Lyft driver was actively transporting a passenger, heading to pick up a ride, or simply logged into the app. Pennsylvania’s insurance laws create additional challenges, making local legal expertise necessary for your case.
Experienced Lyft accident attorneys provide valuable support when you’re injured in a rideshare crash. Our York legal team understands the local area and the specific challenges of such cases. We’ve helped passengers and other victims handle claims involving Lyft’s insurance policy, personal insurance carriers, and third-party coverage. […]
More information about Personal Injury Protection
Underinsured Motorist Coverage Pain and Suffering: Understanding Your Rights and Maximizing Your Claim
According to the Insurance Research Council, nearly 8% of Pennsylvania drivers are uninsured, putting thousands of responsible drivers at financial risk from a car accident. Thankfully, uninsured and underinsured motorist coverage includes the victim’s pain and suffering in Pennsylvania—but that’s not all you need to know.
When an uninsured driver causes a crash that leaves you injured, your uninsured or underinsured motorist coverage steps in to protect you. This protection extends beyond just medical bills and lost wages—it can provide compensation for your physical trauma, emotional distress, and reduced quality of life.
However, insurance companies often minimize or deny these claims, especially when it comes to pain and suffering damages. They may question the severity of your injuries or try to attribute them to pre-existing conditions. […]
Read MoreMore information about Personal Injury Protection
Emotional Distress Damages in a Personal Injury Case Explained
In Pennsylvania, when you’re injured in an accident, you may have the right to file a personal injury claim or lawsuit seeking compensation for medical bills, lost wages, and other such damages.
It’s also important to account for your emotional distress when filing a claim or lawsuit. Emotional distress damages can compensate you for the psychological toll of a traumatic event.
At Munley Law, serving the area since 1959, we’ll fight for emotional distress compensation when it’s available. Contact our Pennsylvania personal injury lawyers today to learn more about your case.
What Qualifies as Emotional Distress in Pennsylvania Law?
Emotional distress can take many forms in a personal injury case. There is no strict legal definition for emotional distress in Pennsylvania, as what qualifies as emotional distress can vary on a case-by-case basis. […]
Read More
