A car accident can change your life. You can suffer serious injuries or even develop post traumatic stress, depending on the severity of the collision. Thankfully, your car insurance policy and medical insurance will help ensure that you can receive the treatment you need to heal after an accident. Depending on your insurance policies and the policy of the other driver, you shouldn’t have to worry too much about expenses and financial losses from the accident.
While the state of Pennsylvania requires vehicular insurance for all drivers, not everyone obeys the law on car insurance. An accident with an uninsured or underinsured driver can cause financial uncertainty on top of any injuries or property damage.
Automobile insurance may not cover all your expenses
Pennsylvania is a “Choice No-Fault” state, which means drivers can choose between no-fault insurance and traditional tort insurance policies. No-fault insurance will cover your personal damages and injuries from the accident, regardless of who was at fault. Most policies include uninsured or underinsured motorist coverage, which protect you if you have an accident with someone who isn’t insured.
Traditional tort insurance, on the other hand, offers more comprehensive coverage and may even allow you to sue for pain and suffering, depending on the circumstances and the policy.
If you don’t have uninsured motorist coverage, recouping your medical expenses and car repair costs could prove difficult. The other driver may face some legal issues as a result of driving without insurance, but you may be the one who bears the majority of that burden.
When an accident happens on the clock
What happens if the accident occurred while you were working? If you were driving a company car, traveling as part of your job or otherwise driving in the course of your employment, you may be able to pursue workers’ compensation benefits for your injuries and lost wages.
In this situation, it is critical that you get legal help. It may be possible to pursue both workers’ compensation benefits and a personal injury claim, but the two must be coordinated to avoid disqualifying you from certain benefits. Speaking with an experienced personal injury attorney who understands workers’ compensation. personal injury and insurance law may be your best option for a positive outcome.
An attorney will protect your interests after an accident
Insurance companies are not generally looking out for accident victims so much as they are their own profit margin. You could be offered a settlement that is inappropriately low, given your injuries. Your attorney can review your situation and your policy to determine what is fair and reasonable. Don’t try to handle insurance companies and an uninsured driver on your own!