The Legal Implications of No-Fault Car Insurance
Pennsylvania is among 12 states that have no-fault auto insurance laws, which can vary greatly from one state to the next. Pennsylvania requires all drivers to have personal injury protection, which will cover you to some extent in the event you are injured even if you are at fault. However, PIP benefits may not cover all your expenses, and in Pennsylvania, the no-fault rules do not necessarily preclude you from hiring a Philadelphia accident lawyer to sue a driver who was at fault.What Are No-Fault Rules?
The concept of no-fault car insurance is a broad one that aims to reduce insurance costs by eliminating many small claims lawsuits. In Pennsylvania, drivers may choose between a zero threshold and a verbal threshold. People who choose a zero threshold are not limited when seeking compensation for noneconomic damages resulting from a motor vehicle accident. Those who choose the verbal threshold must instead make a PIP claim against their own policy, which cannot increase their rates, and they can receive compensation for:- Medical expenses
- Rehabilitation costs
- Loss of income
- Loss of life
- Disfigurement
- Dismemberment
- Permanent injuries
- Displaced fractures
- Loss of an unborn child
What Are Shared-Fault Rules?
On average, 15 vehicular accidents occur every hour in Pennsylvania. The majority of these accidents are minor, and no one is deemed at fault. Pennsylvania law also accounts for shared fault, which means that a driver is somewhat responsible for his or her own injuries. In such cases, the amount of compensation you can receive is lowered by the percentage at which you are deemed at fault. If it is determined that you are at fault by more than 50 percent, then you may not be able to claim anything at all.
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