What Should I Do Immediately After a Car Accident in Pennsylvania?

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Author: John Mattiacci | Owner Mattiacci Law
Published January 24, 2025

Car Accident

A car accident can be overwhelming, but taking the right steps immediately afterward can protect your health and legal rights. You might be asking: What should I do immediately after a car accident in Pennsylvania?

After a car accident in Pennsylvania, check for injuries, call 911 if necessary, move to a safe location, and report the accident to the police. Exchange information with the other driver, document the scene with photos, and seek medical attention—even if you don’t feel injured right away.

With decades of experience helping car accident victims, I’ve guided clients through the legal and insurance process to ensure they receive fair compensation. Let’s go over the critical steps to take after a car accident in Pennsylvania.

 

A Pennsylvania car accident involving medical treatment, an insurance company, and a police report.

 

Key Steps to Take Right After a Car Accident

  1. Call 911 Immediately
    • Your safety is the top priority. Contact 911 as soon as possible, even if the accident seems minor. A police report will document the scene and could be critical for insurance claims or legal actions. If anyone is injured, ensure that emergency medical assistance is on the way.
  2. Check for Injuries
    • Assess your own condition and check others involved for injuries. If you’re hurt, avoid unnecessary movement to prevent further injury. Even if injuries aren’t obvious, consider seeking medical attention as some symptoms, such as whiplash, may not appear until hours later.
  3. Move to a Safe Location
    • If possible and safe to do so, move your vehicle out of traffic to prevent additional accidents. However, leave the vehicles as they are if they’re in a safe spot or if moving them could complicate the accident scene.
  4. Gather Essential Evidence
    • Collecting evidence early can strengthen any claims you may make later. Use your phone to take clear pictures of the accident scene, vehicle damage, and any visible injuries. Capture images of all involved vehicles, the surrounding area, and anything that may have contributed to the accident, like road signs or skid marks.
  5. Exchange Information
    • Get the other driver’s contact and insurance details, including their driver’s license number and vehicle information. If there were witnesses, ask for their contact information, as they may provide valuable statements.
  6. Avoid Admitting Fault
    • Be mindful of your words at the scene. Do not admit fault or apologize, as this may be interpreted as an admission of liability. Simply share factual information with law enforcement and your insurance company.
  7. Seek Medical Attention Promptly
    • In Pennsylvania, seeking medical attention promptly after a car accident is essential. While Pennsylvania is a no-fault insurance state, timely medical documentation is critical for recovering Personal Injury Protection (PIP) benefits and building a strong claim. Even if you feel okay, a medical examination can identify injuries that may not be immediately apparent.
  8. Report the Accident to Your Insurance Company
    • In Pennsylvania, drivers must report the accident to their insurance company as soon as possible. Pennsylvania’s no-fault insurance system generally covers medical expenses and lost wages under Personal Injury Protection (PIP) benefits. However, depending on whether you have limited or full tort coverage, your ability to pursue compensation for pain and suffering may vary. Avoid discussing fault or liability until you’ve spoken to a lawyer.
  9. Consider Consulting a Pennsylvania Car Accident Lawyer
    • If you’ve suffered injuries, consulting a personal injury lawyer can be invaluable. A lawyer can help protect your rights and handle interactions with insurance companies on your behalf. Under Pennsylvania law, individuals generally have two years from the date of a car accident to file a personal injury lawsuit. Acting within this time frame is critical to preserving your right to pursue compensation. Failing to act within this time frame may result in losing your right to seek compensation, making it critical to start the process as soon as possible.
    • Reach out to Mattiacci Law at 215-914-6919 for a free consultation to learn how we can assist you.

Actions Steps Following a Car Accident and Why They Are Important

Step Action Why It’s Important
Call 911 Contact emergency services immediately, even for minor accidents. A police report can serve as vital evidence for insurance claims and potential legal action.
Check for Injuries Assess yourself and others for injuries; seek medical help if needed. Some injuries aren’t immediately apparent, so a quick checkup can prevent complications.
Move to Safety If it’s safe, move your vehicle out of traffic. Reduces risk of secondary accidents and keeps the area safer for other drivers.
Gather Evidence Take photos of the scene, vehicle damage, and any visible injuries. Visual evidence strengthens your case and helps document what happened. Be sure to report accidents involving injuries or significant property damage to law enforcement, as required under Pennsylvania law.
Exchange Information Share contact and insurance details with the other driver(s) involved. Necessary for insurance claims and legal proceedings.
Avoid Admitting Fault Do not apologize or discuss fault at the scene. Statements may be misinterpreted as admitting liability, which could impact your claim.
Seek Medical Attention Seek medical attention promptly after the accident. Timely medical care ensures injuries are documented, which is crucial for Personal Injury Protection (PIP) benefits under Pennsylvania’s no-fault insurance system and for building a strong case if additional compensation is pursued.
Contact Your Insurance Company Notify your insurance company promptly about the accident. Reporting the accident is essential for accessing PIP benefits under Pennsylvania’s no-fault insurance system. Avoid discussing fault until consulting a lawyer.
Consult a Car Accident Lawyer Contact a lawyer for guidance, especially if injuries are involved. A lawyer can protect your rights, handle insurance companies, and maximize your compensation.

 

Important Reminders After a Car Accident in Pennsylvania

  • Stay at the Scene: Leaving the scene before exchanging information or until the police arrive may lead to legal issues.
  • Document Details: Write down the time, date, and location of the accident. Include weather conditions, traffic signals, and other relevant details.
  • Report Hit-and-Runs: If the accident involved a hit-and-run driver, alert the police immediately to ensure they document the incident as accurately as possible.

 

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Do You Need to File a Police Report for a Car Accident in Pennsylvania?

In Pennsylvania, you must file a police report if a car accident results in injury, death, or property damage exceeding $1,000. Failure to report may result in fines or penalties.

If law enforcement responds to the scene, they will file the report for you. However, if police do not arrive, you are responsible for reporting the accident within five days to the Pennsylvania Department of Transportation (PennDOT) using Form AA-600.

Why Filing a Police Report Matters

  • Required for insurance claims – Many insurers require an official police report to process claims.
  • Documents key accident details – A report records evidence, witness statements, and road conditions, which may support a personal injury claim.
  • Protects against false claims – If another driver changes their story after the accident, an official police report can provide verifiable documentation.

If unsure whether your accident requires reporting, it’s best to file a report to protect your legal rights.

What Should You Not Do After a Car Accident in Pennsylvania?

After a crash, taking the right steps is crucial, but avoiding common mistakes can be just as important.

Common Mistakes to Avoid After a Car Accident

  • Do not leave the scene. Leaving before exchanging information or speaking with law enforcement is a criminal offense and could result in hit-and-run charges.
  • Do not admit fault. Even saying “I’m sorry” can be used against you in an insurance claim or legal case. Stick to facts when speaking to police or other drivers.
  • Do not delay medical treatment. Some injuries—like concussions or soft tissue damage—may take hours or days to appear. Delaying treatment can weaken an injury claim.
  • Do not talk to the other driver’s insurance company. Insurers may use your words against you to reduce your payout. Speak to a lawyer first before giving a recorded statement.
  • Do not accept a quick settlement. The first settlement offer from an insurance company is often lower than what you deserve. Once you accept, you cannot seek further compensation.

By avoiding these mistakes, you can protect your legal rights and maximize your compensation.

What Are Pennsylvania’s Car Accident Insurance Laws?

Pennsylvania follows a choice no-fault insurance system, meaning drivers can select between limited tort and full tort coverage, which affects their ability to seek compensation.

Limited Tort vs. Full Tort Coverage in Pennsylvania

Coverage Type What It Covers Limitations
Limited Tort Medical expenses and lost wages under PIP benefits Cannot sue for pain and suffering unless injuries are “serious”
Full Tort Medical expenses, lost wages, and full compensation for pain and suffering No restrictions on filing lawsuits

With limited tort coverage, drivers can only sue for economic losses, unless they suffer serious injuries, such as:

  • Permanent disfigurement
  • Significant impairment of a bodily function
  • Fatal injuries

Choosing full tort coverage gives drivers the unrestricted right to sue for all damages, including pain and suffering, regardless of injury severity.

Understanding your policy is critical before filing a claim to ensure you receive full compensation.

How Long Do You Have to File a Car Accident Claim in Pennsylvania?

In Pennsylvania, you have two years from the date of a car accident to file a personal injury lawsuit. Failure to file within this period may result in losing your right to seek compensation.

Exceptions to the Two-Year Limit

  • Claims involving minors – If the injured party is under 18, the two-year period begins on their 18th birthday.
  • Government-related accidents – If the accident involved a government vehicle, special notice requirements apply, and the deadline may be much shorter.
  • Delayed discovery of injuries – If injuries were not immediately apparent, the filing period may be extended under the discovery rule.

To avoid missing deadlines, contact a car accident lawyer as soon as possible. The sooner you take action, the stronger your case will be.

Protect Your Rights and Get Legal Help Today

If you’ve been involved in a car accident in Pennsylvania, following these steps can make a significant difference in safeguarding your rights and protecting your health. For personalized legal advice,reach out to Mattiacci Law at 215-914-6919. With decades of experience handling car accident cases, our team is here to help you secure the compensation you deserve.

By acting swiftly and documenting essential information, you’re taking crucial steps toward a strong recovery—both physically and financially. Remember, professional legal guidance is just a call away to ensure you’re fully protected and informed.

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    Common Questions About Car Accidents in Pennsylvania

    What am I entitled to after a car accident in Pennsylvania?

    In Pennsylvania, individuals injured in car accidents can pursue compensation for various damages. These may include costs for medical treatment, lost income due to missed work, repair or replacement of damaged property, and compensation for pain, emotional distress, and other non-economic losses. Your specific entitlements depend on the details of your accident and the severity of your injuries. Consulting an experienced attorney can help clarify your potential compensation.

    Does Pennsylvania have specific deadlines for seeking medical attention?

    While Pennsylvania does not have a strict deadline like Florida's 14-day PIP rule, it’s essential to seek medical attention promptly after an accident. Timely medical documentation is crucial for accessing Personal Injury Protection (PIP) benefits under Pennsylvania’s no-fault insurance system and for building a strong case if you pursue additional compensation.

    What happens if you don’t report an accident in Pennsylvania?

    In Pennsylvania, accidents involving injury, death, or significant property damage must be reported to law enforcement. Failing to report such an accident may lead to legal penalties and could complicate your ability to file an insurance claim or seek compensation. If you’re unsure whether to report an accident, it’s best to err on the side of caution and contact the authorities.

    How long does an accident affect your insurance in Pennsylvania?

    Typically, a car accident can affect your insurance rates for three to five years, depending on factors like the accident’s severity, your prior driving record, and fault determination. Working with an attorney can help mitigate the impact of any inaccurate findings that could negatively affect your insurance costs.

    What should I avoid saying to insurance companies after an accident?

    When speaking to insurance adjusters, avoid making statements that could imply fault, such as “I’m sorry” or “I didn’t see the other car.” Stick to the basic facts of the accident, and consult with a car accident lawyer before giving detailed statements. An attorney can help ensure you don’t unintentionally harm your claim.

    Can I sue the other driver if I’m partially at fault in a Pennsylvania accident?

    Yes, Pennsylvania’s modified comparative negligence law allows you to recover compensation if you are 50% or less at fault for the accident. However, your compensation will be reduced by your percentage of fault. For example, if you’re found to be 20% at fault, your compensation will be reduced by 20%.

    What types of injuries are most common in Pennsylvania car accidents?

    Car accidents often result in injuries such as neck strains, broken bones, head trauma, and damage to the spinal cord. Even minor accidents can lead to serious or delayed symptoms, so it’s essential to seek medical attention right away. Documenting your injuries also strengthens your claim if you choose to pursue compensation.
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