Daily, Pennsylvania drivers operate their motor vehicles on the roads and highways throughout the state. Like themselves, most drivers assume that other drivers on the road have Pennsylvania car insurance policies that meet the state’s minimum car insurance coverage requirements. If a car accident should occur, Pennsylvania auto insurance policies should cover the damage and bodily injury sustained by all those involved.
According to state law and the Pennsylvania Department of Transportation, all motor vehicle operators must have a valid driver’s license, vehicle registration, and Pennsylvania car insurance coverage. There are minimum car insurance amounts that every driver is supposed to have, but many motorists opt to have additional coverage to be safe.
At Frischmann & Rizza in Pittsburgh, Pennsylvania, our injury attorneys are here to assist those injured in a car accident caused by a negligent or reckless driver. Our lawyers are well-versed in all of the state requirements for car insurance and the unique situation that Pennsylvania is in when it comes to being a no-fault state.
The attorneys at Frischmann & Rizza will fight for your rights as a victim and the compensation you deserve to help pay for medical expenses, property damage, and other losses associated with the accident. Our goal is to ensure that your insurance company (or the at-fault driver’s company) does not try to get you to settle for less than your injuries are worth. Many insurance companies offer a low settlement to keep their bottom line safe. Frischmann & Rizza does not stand for that!
Do I Need an Auto Insurance Policy in Pennsylvania?
In short, yes! Your car insurance covers bodily injury (and associated medical costs) and property damage in an accident. Every driver is required to meet Pennsylvania auto insurance requirements through their policy.
It is important to note that the Pennsylvania auto insurance situation is a hybrid of the typical fault/no-fault models. The state has adopted a “choice, no-fault” system, which means that residents must opt-in or out of the insurance rules when purchased. Because it can be confusing, you must know what it means before contacting an insurance agency in Pennsylvania for your auto insurance coverage.
Minimum Car Insurance Policy Requirements in PA
In the state of Pennsylvania, auto insurance requirements cover the following coverage types:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage
- $5,000 Personal Injury Protection (PIP) coverage
These are the minimum limits set by the state, but many drivers opt to add more medical coverage or property damage liability coverage to be safe. Pennsylvania also does not require that you carry uninsured motorist coverage. Still, it is certainly worth looking into to ensure that any accident you may be involved in is fully covered in medical bills, damage to the car, and other losses.
What to Do in the Event of a Car Accident in Pittsburgh, PA
In the event of an auto accident in Pittsburgh, there are several important steps to take. Some of these steps are designed to take care of medical issues, and other steps will focus more heavily on proving a potential lawsuit in court. Here are the things you should do if you are in an accident:
- Call for emergency medical services and get medical assistance to those injured.
- Exchange personal information and insurance company contacts
- Be sure the police have been called and file a report with your official statement.
- Document the scene with photos, videos, and personal notes
- Talk to anyone who witnessed the accident but was not involved.
- Keep intricate and detailed records of all property and medical expenses you have incurred as a direct result of the accident.
- Contact an experienced personal injury attorney such as ours at Frischmann & Rizza to discuss your case.
If you can follow these steps, you can work to ensure that your potential auto accident lawsuit turns out in the best possible way for you. At Frischmann & Rizza, our attorneys fight for your rights as an accident victim, and we are dedicated to making sure that you get the optimal outcome for your claim.
Contact Our Pittsburgh, Pennsylvania, Auto Accident Attorneys
Suppose you or a loved one has been injured in an auto accident caused by someone else’s negligence or recklessness. In that case, you may be eligible to file a personal injury lawsuit in Pennsylvania. Our legal experts will evaluate your situation and determine if you may be able to file a claim – even with Pennsylvania’s hybrid no-fault insurance policies and the full tort and limited tort coverage.
Frischmann & Rizza believes that auto accident victims deserve medical benefits and the time they need to recover and heal from their injuries. You cannot easily focus on the healing process if you are being hounded by bill collectors, getting calls from insurance companies, and worried about how you will pay for the damage to your vehicle. That is where our injury law firm comes into play.
When you enlist our legal assistance, our attorneys will immediately begin fighting for your rights as an accident victim. We will gather the necessary information and evidence to build a strong case, and we are more than happy to take on insurance companies trying to strong-arm you into settling for less than your injuries are worth. You do not have to deal with these legal situations on your own!
Contact us today to schedule your free case evaluation with our injury law firm in Pittsburgh, Pennsylvania. We are happy to discuss the insurance situation and determine if you may be able to fight for compensation for your injuries. Call now!