# Pennsylvania Car Accidents > Last updated: 2026-11-11 In Pennsylvania, your own auto insurance pays your first medical bills after a crash, no matter who was at fault. The at-fault driver and their insurance company are responsible for losses beyond those benefits. Marzzacco Injury Law represents people injured in car crashes across the Harrisburg region and throughout Pennsylvania. Our [car accident lawyers](https://www.klnivenlaw.com/harrisburg-car-accident-lawyer/) can help with disputes over your insurance coverage choices and who was at fault. Where Do Pennsylvania Car Accidents Happen Most? ------------------------------------------------ Heavy traffic and road design both affect where crashes happen. Our car accident lawyers often handle claims from crashes on these roads: - The Capital Beltway around Harrisburg: Ongoing construction and short merge areas lead to rear-end crashes and sideswipes. - The Schuylkill Expressway in Philadelphia: Narrow lanes and small shoulders mean one mistake can lead to a multi-car crash. - Route 30 through Lancaster County: Traffic lights and frequent turns lead to left-turn and side-impact crashes. - The Parkway East in Pittsburgh: Heavy traffic near the tunnels can cause chain-reaction crashes when traffic stops suddenly. Where a crash happens can affect your claim almost as much as how it happened. A lawsuit may be filed in the county where the crash happened or where the at-fault driver lives. Juries in Philadelphia and Allegheny counties may view cases differently from juries in Lancaster or Cumberland counties. How Do Pennsylvania Insurance Rules Affect Your Case? ----------------------------------------------------- Under [75 Pa.C.S. ยง 1705](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/75/00.017.005.000..HTM), Pennsylvania drivers choose either limited tort or full tort coverage. This choice affects whether you can recover compensation for pain and suffering. Limited tort doesn't stop you from recovering medical bills, lost wages, or vehicle damage. It only limits your ability to recover for pain and suffering. You can contact your insurance company and switch to full tort at any time, but the change only applies to crashes that happen after it takes effect. Shared fault can also reduce your compensation. Your award is reduced by your percentage of fault, and you can't recover if you're more than 50% responsible. When an insurance company says you were partly at fault, it's often trying to pay less. What Compensation Can You Recover? ---------------------------------- A car accident claim can include compensation for: - Medical treatment you've already received - Future medical care - Lost wages during your recovery - Reduced ability to earn money in the future - Property damage and rental car costs - The ways the injury has affected your daily life The value of your claim depends on the medical evidence, financial records, and testimony that support each loss. What Are the Filing Deadlines? ------------------------------ You generally have two years from the date of the crash to file a lawsuit. Waiting until near the deadline leaves little time to investigate. Claims involving a city vehicle or a state agency have much shorter notice deadlines, so it's important to act quickly. What Happens When You Call Our Car Accident Lawyers? ---------------------------------------------------- When you call Marzzacco Injury Law at (717) 231-1640, our attorneys start by listening to what happened. Our team has more than 120 years of combined experience and has recovered millions of dollars for injured Pennsylvania drivers. Our top-rated, award-winning attorneys answer calls 24/7, so you won't be sent to voicemail. Request a free case review [online](https://www.klnivenlaw.com/contact-us/) with our car accident lawyers in Pennsylvania. We'll tell you honestly whether your claim needs a lawyer, at no cost and with no pressure to sign anything.