What Is Personal Injury Insurance in Philadelphia?

  • October 19, 2021
  • Blog

Many jurisdictions force all motorists to purchase automobile liability insurance. Liability insurance provides financial protection if you are ever at fault in an automobile accident and cause personal injury to another party. So, what is personal injury insurance, and what is it for? The Philadelphia personal injury lawyers at Mattiacci Law, LLC can help you learn more about the relationship between personal injury claims and insurance policies.

A cluttered desk with a big, dark colored binder labeled insurance, positing the question, What is personal injury insurance in Philadelphia and PA?

Personal Injury Insurance in Philadelphia and PA

What is personal injury insurance and what is it for? Personal injury insurance protects you from the different costs associated with an automobile accident. It does not matter if you are the at-fault driver in a specific automobile accident.

Many personal injury insurance policies cover the costs associated with personal medical treatment, funeral expenses if a driver or passenger dies because of an injury suffered during an automobile accident, and monetary compensation for lost wages.

Some form of personal injury insurance is compulsory for drivers in 13 U.S. jurisdictions. States where personal injury insurance is compulsory are called no-fault states. If an injured victim is in a no-fault state, then this usually will mean that they cannot sue another driver who may have been responsible for the injuries you suffered during an automobile accident.

Personal injury insurance is required of all drivers in New Jersey and Pennsylvania.

The Benefits of Personal Injury Insurance in PA

Personal injury insurance offers financial compensation no matter who is at fault for the automobile accident. Personal injury coverage will pay for the costs of medical treatment, and it doesn't matter if you were responsible for causing the motor vehicle accident.

Personal injury insurance will often be paid more quickly than third-party insurance. Personal injury claims take months or years to resolve after a complaint is filed.

If you lose your legal case, then personal injury protection insurance will still pay you for the costs associated with your injuries. A legal case never offers guaranteed financial compensation. You could not have a sufficient amount of evidence to prove that the other party was at fault for the motor vehicle accident. Having personal injury insurance means that you can still pay for the costs associated with your motor vehicle accident even if you lose your personal injury case.

The Other Advantages of Personal Injury Insurance

So, what is personal injury insurance good for? If you were injured by a hit-and-run driver, you could benefit from personal injury insurance. The personal injury insurance coverage will also protect you financially if you are in an automobile accident with an uninsured driver or an underinsured driver.

Personal injury protection is easier to use than uninsured motorist insurance. A personal injury attorney at Mattiacci Law, LLC can examine the insurance policies you have and determine if you are protected by personal injury insurance. It is important to have an experienced personal injury attorney help you understand your options after you suffer a personal injury during a motor vehicle accident.

If the authorities do not catch a hit-and-run driver, there is little an injured victim can do other than seek protection under personal injury protection coverage. This is a prime benefit of personal injury insurance.

Personal Injury Insurance Covers Vehicle Passengers

Personal injury insurance helps you and any passengers who may have been in the vehicle at the time of the motor vehicle accident. Personal injury insurance gives you a sense of confidence, knowing that your children and family members will be protected by a personal injury insurance policy. An attorney at Mattiacci Law, LLC can help you determine how personal injury insurance will specifically benefit you and your family.

New Jersey does require drivers to purchase personal injury insurance. Pennsylvania also requires drivers to purchase personal injury insurance.

What Is Personal Injury Insurance in New Jersey?

What is personal injury insurance in New Jersey? An automobile insurance policy can offer coverage for medical expenses up to $250,000. Medical expense benefits are attached to personal injury insurance. The personal injury insurance will provide payment for medical expenses for yourself and your family members if you are injured while driving a motor vehicle or if you are hit by a motor vehicle while walking down the street.

What a Personal Injury Policy Offers in New Jersey

The personal injury insurance policy will typically offer a $250 deductible and a 20% co-pay up to $5,000 in medical bills. If there is a $250 deductible and a 20% co-pay, then this will equal $1,200. The insurance company will pay all necessary and reasonable medical expenses related to your injuries up to $250,000.

Policyholders can also elect to pay reduced premiums and receive lower amounts of insurance coverage. These coverage limits are usually offered in the following increments: $15,000, $50,000, $75,000, and $150,000. Many medical expenses will quickly go beyond these smaller policy limits.

The personal injury insurance benefits are paid regardless of whether your injuries are the result of someone else’s negligent conduct or if you are responsible for the motor vehicle accident.

Personal Injury Insurance Income Benefits in New Jersey

A personal injury insurance policy can also offer you income benefits. These benefits will financially compensate you while you are not working.  You can speak with an insurance agent about other income continuation amounts.

If you are entitled to state temporary disability benefits in New Jersey, then the state disability fund will pay you before you receive income continuation benefits. These temporary disability benefits will usually provide financial compensation for 26 weeks.

Contact Mattiacci Law, LLC Today to Schedule a Free Consultation

Are you asking, What is personal injury insurance? Contact Mattiacci Law, LLC today to schedule a free consultation and find out if a personal injury insurance policy is right for you During the initial consultation, we can review your insurance policy and any facts related to a motor vehicle accident or other accident that caused you to suffer personal injury.

You need an experienced and skilled attorney to help you navigate the complexities that arise when insurance companies attempt to deny or dispute claims. You can reach our Philadelphia office at 215-709-7915. You can also contact us at our New Jersey office by calling 856-219-2481.

You deserve exceptional legal representation, and we are here to help you preserve your legal rights and make sure an insurance company does not unlawfully deny or minimize your claim.

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