Pennsylvania is a No-Fault Automobile Insurance State. Regardless of who causes an automobile accident our individual automobile insurance carriers pay our medical bills up to the amount of medical coverage purchased.
What If You Do Not Have an Automobile Insurance Policy
If you are not insured under your own or a family members policy, then the insurance policy on the car that you were occupying at the time of the accident pays your medical bills.
If you are a pedestrian or on a bicycle, then the policy on the car that hit you will pay your medical bills.
What if Your Medical Bills are Higher than the Coverage on the Auto Policy
If your medical bills exceed the amount of coverage under the automobile policy, then your private health insurance carrier becomes responsible for paying your medical bills.
If you have out of pocket or unreimbursed medical expenses, these become part of your claim against the person responsible for causing your injuries.
How Much Medical Coverage Should I Have On My Auto Policy
As Much as You Can Afford!! The basic coverage is $5,000, but for a slightly higher premium you can increase your coverage to $100,000. This is particularly important since your private health insurance carrier (not your automobile insurer) may have a legal right to be repaid for any medical bills they cover from your share of any money you receive for your injuries.
Additional resources provided by the author
In Pennsylvania your should also understand the meaning of Full Tort and Limited Tort coverage as well as the importance of Underinsured and Uninsured Motorist Protection
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