Pennsylvania Choice No-Fault Car Insurance Laws

Pennsylvania Choice No Fault

Most states in America are either “fault” states or “no-fault” states. A fault state is one that holds the driver in an accident who was found legally responsible for causing it to pay for the damages and injuries of the other parties included. In no-fault states, each party involved in an auto accident is required to collect all of their medical bills, mechanic invoices and lost wages from their own insurance companies. This is not dependent on who was at fault.

In many states, determining what the fault or no-fault rules are may be as easy as looking at the policy of the insured party. However, in Pennsylvania, the car accident laws and rules are more unique compared to other states. This is because they use what is called a “Choice No-Fault” rule.

Choice No-Fault means that either party involved in an auto accident will have the ability to choose whether they want to follow the fault or no-fault rules when resolving the issues brought about by the accident. There is a catch, however. This choice has to be made when the insurance policy is first purchased. The policyholder will not have the ability to make the choice after an accident has occurred.

How Pennsylvania’s Choice No-Fault Rules Work

The law in Pennsylvania requires a person to make one of two choices. The customer can either opt for full tort insurance or limited tort. With full tort, the insured is choosing to opt out of the no-fault insurance system. With the selection of limited tort, the insured party is opting into the no-fault system. This also means that a lawsuit cannot be filed after an accident.

With limited tort, claims will be made with the insurance provider and cover lost wages and medical bills. The only things the claim may not offer is compensation for things such as emotional distress and pain and suffering.

Getting Help Selecting Car Insurance In Pennsylvania

Before purchasing an insurance policy in Pennsylvania, it is important to fully take into consideration the pros and cons of each choice. Before choosing limited tort in a policy, it is recommended to consult with an experienced professional or lawyer to explain what it really means and what could be given up if an accident does happen.

If an accident has already occurred, speaking to a lawyer is the best way to get compensation for any injuries and damages. Pennsylvania Car Accident Lawyers has the resources to get you in touch with a car accident attorney in your area who can help you seek compensation for your injuries. Contact us today for a free case evaluation.