First Party Beneifits under Pennsylvania Motor Vehicle Financial Responsiblity Law
First Party Benefits refers to a level of coverage that all Pennsylvanians are required to purchase with their automobile insurance.
First Party Benefits, at a minimum, provide up to $5,000.00 of medical coverage for an injured insured for the treatment necessary for injuries sustained in a motor vehicle collision. First Party Benefits may also provide, at the insured's option, wage loss and funeral benefits. The amount of medical coverage under an insured's First Party Benefits may be increased above $5,000.00.
Any person, whether they own their own policy of insurance or not, who is involved in a motor vehicle collision in Pennsylvania, can obtain First Party Benefits.
First Party Benefits can come from a number of sources, in the following order of priority:
For a named insured, the policy on which he is the named insured.
For an insured, the policy covering the insured.
For the occupants of a motor vehicle, the policy on that motor vehicle.
For a person who is not the occupant of a vehicle, the policy on any motor vehicle involved in the accident.
First Party Benefits are not available to an owner of a currently registered motor vehicle that is not insured under Pennsylvania’s Motor Vehicle Financial Responsibility law.