Were you injured in a car accident in Harrisburg, Pennsylvania? Are you wondering how the car insurance process works? The Harrisburg car accident lawyers at Marzzacco Niven & Associates can help you seek maximum compensation for your injuries. Call 717-231-1640 to schedule a free consultation to learn more about your legal rights.
Our team has decades of experience helping injured clients navigate complex insurance claims. We’ve recovered tens of millions for injured clients throughout Pennsylvania. We can help you manage every part of your legal claim.
Why Choose Marzzacco Niven & Associates to Help After a Car Accident in Harrisburg, PA?
Pennsylvania’s insurance laws are complex because they include fault and no-fault provisions. Often, injured victims need an attorney to help determine who is liable for their accidents and what insurance coverages are available. An experienced Harrisburg car accident attorney can help you get the money you deserve.
Clients choose Marzzacco Niven & Associates in Harrisburg, PA, because we:
- Have over a century of combined legal experience handling injury cases
- Have recovered tens of millions in car accident settlements and other personal injury awards
- Have been recognized by top legal organizations like the National Trial Lawyers and Super Lawyers
- Provide personalized client service and prioritize communication with you at every stage of your case
- Offer contingency fees in all personal injury cases
Reach out today to schedule a free case review to learn more about your case from a Harrisburg personal injury lawyer.
Pennsylvania Insurance Coverage Requirements
Pennsylvania generally operates as an at-fault state, meaning the driver responsible for causing an accident can be held liable for the damages that result from the crash. After a car accident in Pennsylvania, an injured person may pursue compensation from the at-fault driver’s insurance company.
Pennsylvania law requires drivers to carry a minimum amount of liability insurance coverage. This requirement is often referred to as the 15/30/5 rule, which includes:
- $15,000 in bodily injury liability coverage for injuries to one person
- $30,000 in bodily injury liability coverage per accident
- $5,000 in property damage liability coverage
These minimum limits represent the lowest amount of coverage drivers must carry under Pennsylvania law. However, accident-related injuries and damages often exceed these amounts, and many drivers choose higher coverage limits.
Medical Benefits Coverage
Pennsylvania also requires drivers to carry $5,000 in medical benefits coverage. This coverage helps pay for medical treatment after an accident, regardless of who was at fault.
Medical benefits coverage can help pay for:
- Emergency medical care
- Hospital bills
- Doctor visits
- Rehabilitation or therapy
Medical benefits policies often serve as the primary source of payment for accident-related medical expenses.
What Is the Difference Between Full Tort and Limited Tort Insurance?
Pennsylvania gives drivers the option to choose either full tort or limited tort insurance coverage. This decision can affect your legal rights after a car accident.
Drivers who select full tort coverage generally keep the unrestricted right to seek compensation for pain and suffering after a crash. However, full tort policies usually cost more.
Limited tort coverage often lowers monthly insurance premiums, but it may limit your ability to recover non-economic damages unless your injuries qualify as serious under Pennsylvania law.
Some examples of serious injuries may include:
- Permanent disfigurement
- Significant loss of bodily function
- Serious impairment affecting daily activities
Choosing between full tort and limited tort coverage can have a major impact on your ability to recover compensation after an accident. Understanding these differences before a crash occurs can help drivers make informed insurance decisions.
Optional Coverages in Pennsylvania
Pennsylvania drivers can choose between full tort and limited tort insurance options. Drivers with full tort coverage generally keep the right to pursue compensation for pain and suffering after an accident. Limited tort coverage usually lowers insurance premiums but restricts certain non-economic damages unless the injuries are serious.
Drivers may also purchase additional protections, including:
- Uninsured/underinsured motorist coverage (UM/UIM)
- Collision coverage for vehicle repairs after a crash
- Comprehensive coverage for theft, weather damage, or vandalism
Many drivers also choose higher liability limits than the state minimum requirements for additional financial protection.
An experienced attorney can help review your policy and determine what insurance coverage may apply after an accident.
Contact Our Experienced Harrisburg Car Accident Lawyers for a Free Consultation
Pennsylvania’s car insurance system can be confusing, especially after a serious accident. Insurance companies may dispute liability, question injuries, or offer settlements that do not fully cover your losses.
The Harrisburg car accident lawyers at Marzzacco Niven & Associates can help you understand your insurance coverage, evaluate your claim, and pursue compensation for your injuries. Contact us today for a free consultation to learn more about your legal options.