What Is Additional Personal Injury Protection in PA?
Many jurisdictions require citizens who operate motor vehicles to purchase automobile liability insurance so that injured automobile accident victims can be financially compensated. Operators of motor vehicles typically must have minimum policy limits, but that may not be enough in the long run. What is additional personal injury protection in Philadelphia and PA? More protection means less of a negative impact should an accident occur.
These limits are often valued at $30,000 for every injured victim, $60,000 for every accident, and $25,000 for property damage. These amounts may not cover the amount needed to pay for the damages suffered by an automobile accident victim. Medical care costs are rising nationally, and when injured victims suffer a catastrophic injury, they may not be able to be fully compensated under the minimum automobile liability limits.
If drivers want to protect themselves and not incur financial costs related to injuries suffered in automobile accidents, they can buy personal injury protection coverage. Many operators of motor vehicles in Philadelphia have this type of coverage, but they may not understand how it functions.
Mattiacci Law, LLC is here to help you understand your legal rights and how to recover damages. An injured victim’s insurance policy may offer another option for obtaining financial compensation. You can schedule a free consultation today and visit our Philadelphia office or our New Jersey office.
Visit our firm website at https://jminjurylawyer.com/ to learn more about the legal services we provide. You can also call our Philadelphia office at 215-709-7915 and our New Jersey office at 856-219-2481. If you need a Philadelphia personal injury attorney, then call us today to schedule a free consultation.
How Does Personal Injury Protection Work?
Personal injury protection provides no-fault insurance coverage. This means that personal injury protection provides financial compensation for medical bills and lost income due to automobile accidents. The question of who is at fault is irrelevant.
Any injured victim who suffered an injury in a motor vehicle accident can file his or her own personal injury protection claim with the insurer.
If a minimum automobile liability policy limit does not cover an injured victim's expenses, then personal injury protection coverage can pay the difference. Personal injury protection insurance also is paid to injured victims before any personal injury case is resolved through settlement or trial. Having this financial boost can help injured victims pay for medical expenses as their personal injury case proceeds.
Personal injury protection does not come with any policy limits or predetermined monetary amounts. Many insurance companies offer personal injury protection coverage in the following increments: $2,500, $5,000, and $10,000. These specific amounts cover the driver and every passenger who suffers personal injury during an automobile accident.
Holding Insurance Companies Accountable
Mattiacci Law, LLC focuses on helping victims who are recovering from serious bodily injury. Insurance companies can focus more on their bottom line than the health of their policyholders. Many insurance companies will attempt to deny, dispute, and delay personal injury protection claims.
You need to retain legal representation so you can stand up to these tactics and prevent the insurance companies from offering you less money than you should receive under the contract you signed with the insurance company. Do not be afraid to seek the advice of an experienced attorney who can help you understand how insurance companies get away with denying and disputing insurance claims.
The attorneys at Mattiacci Law, LLC can help you recover the following damages related to your personal injury case:
- Disabilities and physical impairments
- Pain and suffering
- Emotional trauma
- Past and future medical expenses
- Lost wages, future lost earnings, and diminished earnings
We advise every driver to purchase personal injury protection coverage and uninsured motorists coverage. If you have an experienced attorney on your side, you can make sure that you recover the financial compensation you deserve without being denied by insurance companies.
Is An Insurance Company Not Paying You?
Personal injury protection insurance protects children, household family members, specific passengers, and the driver when an automobile accident occurs. A personal injury protection insurance policy also provides coverage if the policyholder is a bicyclist or pedestrian who suffers personal injury after being struck by an automobile.
Personal injury protection insurance also covers a child if she or he suffers bodily injury during a school bus accident.
The Factors Affecting Personal Injury Protection Insurance Coverage
The following factors may influence how an insurance company calculates the premium for personal injury protection coverage:
- The state in which the policyholder lives
- The policyholder’s marital status
- If personal injury protection insurance is mandatory in the policyholder’s state
- The policyholder’s driving record
- The policyholder’s claims history
- The policyholder’s gender and age
- Whether or not the policyholder lives in an urban or rural area
Is Personal Injury Protection Coverage Different From Medical Payments Coverage?
Medical payments coverage may cover the policyholder and any other person who was inside the automobile and who suffered personal injury during an automobile accident. Personal injury protection insurance expands the scope of medical payments coverage, and if you are compensated for injuries from the driver who was at fault, then you do not have to reimburse the insurance company for any benefits you received under personal injury protection insurance.
Medical payments insurance requires policyholders to reimburse the insurance company for any amounts the insurance company paid.
Personal injury protection will often cover the following expenses:
- Costs associated with medical equipment such as prostheses or other medical devices
- Medications prescribed as a result of the injuries suffered during the automobile accident
- Medications administered during treatment in a hospital or emergency room
- Rehabilitation treatments during the months after the automobile accident
- Office visit costs for physical and occupational therapists, chiropractors, and other medical professionals
- Hospital costs, emergency room visits, and emergency surgeries performed immediately after the automobile accident
Additional Personal Injury Protection Insurance
The benefits listed below are acquired when you purchase extra personal injury protection coverage:
- Funeral expense benefit
- Death benefit
- Essential services such as housekeeping, laundry, and lawn maintenance
- Income continuation
Call Mattiacci Law, LLC Today to Schedule a Free Consulation
If you need a Philadelphia personal injury lawyer, then contact Mattiacci Law, LLC today. You can reach our Philadelphia office at 215-709-7915 and our New Jersey office at 856-219-2481
Do not let an insurance company delay or dispute your personal injury protection claim. A skilled personal injury lawyer can help you receive the benefits of your personal injury protection insurance policy.