A car accident can be really scary for the people involved. They may be emotionally rattled from the experience, causing fear and anxiety. They may also be suffering from physical injuries. These may cause pain and keep people away from the things they enjoy. A serious injury may threaten a person's life or keep a person away from the individual's job.
The financial aspects of a car accident can be just as devastating. There are property damages, medical expenses, lost wages, pain and suffering and more. These costs can threaten a person's financial security as the person struggles to recover.
In these cases, people often expect and insurance company to step in and help pay for the losses sustained in an accident. People want to rely on an insurance company to provide for them during their time of need.
Pennsylvania has enacted laws to ensure that drivers have this protection. Under Pennsylvania laws, drivers are required to carry auto insurance on their vehicles. Specifically, people are required to limited or full tort coverage, property damage liability, bodily injury liability and medical benefits. Medical benefits are for a person's medical bills -- no matter who caused the accident. A minimum of $5,000 is required. A minimum of $5,000 in property damage is also required.
However, people must have a higher level of coverage for bodily injury liability. This coverage helps to pay for an accident that the insured causes. In Pennsylvania people must have a minimum limit of $15,000 in coverage for injuries to one person in the accident and a minimum of $30,000 for total damages in the accident.
Not every resident follows these rules. Many choose to drive without insurance, leaving people to fight for their rights following an accident. When an uninsured driver causes a car accident, an attorney may be needed. An attorney can help explain people's options.