Pennsylvania Car Accidents & Other Cross-Border Accidents
Pennsylvania has exceptionally complicated car accident insurance regulations. It is one of a handful of “no-fault” states. This means that each party, regardless of who is at fault, looks to their own insurance company to cover things such as lost wages and medical expenses.
Sounds simple but Pennsylvania auto insurance laws are very complex compared to most since at the time of purchase you need to decide which regime and scheme you chose. The state refers to itself as a “choice no-fault” state. Residents have the option of purchasing auto insurance referred to as: 1) limited tort; or, 2) full tort.
Limited Tort
Limited tort means the driver has chosen the no-fault system. If they are in a motor vehicle accident, they will not be able to file a lawsuit against the defendant driver to get compensation. They will, instead, file the claim with their own insurance provider, for medical expenses, lost wages, etc. However, there are some exceptions that allow for personal injury lawsuits if certain thresholds are met. For example, if you have suffered a severe disabling or disfiguring injury, then you may file a lawsuit to collect damages.
Full Tort
Full tort means the driver has opted out of the no-fault system. If they are involved in an accident, they can file a lawsuit against the other driver and their insurance company to receive compensation for all their personal injury claims.
What Should You Do If You’re Involved in An Accident In Pennsylvania
- Your top priority is always the health and safety of you and your family. Be sure to seek out medical attention immediately.
- Make sure the police are contacted.
- If possible, take a picture of the other driver’s licence and insurance, and a picture of the licence plate.
- Call your insurance company and report the accident.
. A driver from a different state or province will have to elect which contractual insurance coverage he wants from his own personal insurer. Your personal coverage is to atone to the State’s car insurance legislation. You will need to compare the terms and conditions to see which in most beneficial to you.
- Contact the Snowbird Helpline as soon as possible for advice.
