Navigating the aftermath of a car accident in Pennsylvania can be a daunting task, especially when dealing with complex auto insurance options and claims processes. To demystify these critical issues, Lawyer Monthly consulted with Jared M. Teich and Jeffrey Stanton, experienced attorneys from Haggerty, Goldberg, Schleifer & Kupersmith, P.C. (HGSK), who specialize in personal injury and insurance claims.

The attorneys emphasize the importance of understanding the difference between "Limited Tort" and "Full Tort" options in auto insurance. Opting for Full Tort, though more expensive, provides comprehensive coverage allowing policyholders to claim both economic and non-economic damages in the event of an accident. Limited Tort, cheaper on premiums, restricts the ability to claim for pain and suffering unless the injury is severe, defined under state law as a serious impairment of body function or permanent disfigurement.

Post-accident actions are equally crucial. Teich and Stanton stress that the initial 72 hours are vital; securing a police report, gathering evidence at the scene, and seeking immediate medical attention are key steps that protect legal rights and strengthen claims. Documentation during this period is instrumental in combating potential challenges from insurance providers concerning the timing and severity of injuries.

When it comes to medical expenses post-accident, Pennsylvania's auto policies generally include Personal Injury Protection (PIP), which covers medical bills up to a certain amount regardless of who is at fault. After PIP benefits are exhausted, health insurance typically takes over, although this transition can involve complexities such as subrogation rights, where your health insurer may seek reimbursement from any settlement you receive.

The attorneys also highlight the significance of uninsured/underinsured motorist coverage (UM/UIM) and the benefits of "stacking" these coverages, which can substantially increase the compensation available in accidents involving underinsured or uninsured drivers. Understanding and utilizing these options can provide crucial financial protection in many accident scenarios.

In instances of dealing with insurance claims, the distinction between hard bargaining by insurers and acts of bad faith—such as unreasonable delays or denials of claims—can be nuanced. Pennsylvania law provides mechanisms to challenge and seek redress for bad faith practices by insurers, potentially including punitive damages and attorney fees.

Lastly, for accidents involving government vehicles or hazards on public roads, special rules apply. Claims against government entities in Pennsylvania must be filed within six months, and understanding the exceptions to governmental immunities can be pivotal.

HGSK Injury Lawyers emphasize their commitment to guiding clients through these complex landscapes, ensuring that victims understand their rights and options, and advocating for the full compensation they deserve. Their expertise underscores the importance of informed legal counsel in navigating the intricacies of auto insurance and accident claims in Pennsylvania.