Navigating the complexities of auto insurance and accident claims in Pennsylvania can be daunting. To shed light on these critical issues, experts from Haggerty, Goldberg, Schleifer & Kupersmith, P.C. (HGSK), including Partner Jared M. Teich and Shareholder Jeffrey Stanton, offer essential guidance to safeguard Pennsylvania drivers.

Understanding tort options is paramount for anyone purchasing auto insurance. Pennsylvania drivers face the choice between full tort and limited tort coverage. Opting for full tort coverage, although more costly, provides comprehensive rights to pursue both economic and non-economic damages in the event of an accident. Limited tort, less expensive, restricts recovery for pain and suffering unless the injury is severe, defined as a permanent disfigurement or serious impairment of a bodily function.

In the critical first 72 hours following an accident, immediate actions can significantly impact the protection of your rights. HGSK attorneys stress the importance of filing a police report, documenting the scene comprehensively, and seeking immediate medical attention to link injuries directly to the accident. These steps solidify the groundwork for a robust insurance or legal claim.

The financial strain of medical bills post-accident is a common concern. Pennsylvania’s insurance structure is designed to mitigate these worries initially through Personal Injury Protection (PIP). PIP coverage ensures that medical bills are covered up to a certain amount, regardless of who is at fault. Once PIP is exhausted, health insurance takes over, but navigating liens and subrogation claims from insurers can be complex. HGSK attorneys are adept at managing these issues, ensuring clients retain as much of their settlement as possible.

Another layer of protection is provided by uninsured/underinsured motorist (UM/UIM) coverage and the option of stacking these benefits. This coverage is crucial when the at-fault driver lacks sufficient insurance. Stacking policies amplify the available compensation, providing a vital financial safety net.

HGSK’s expertise extends to handling bad faith insurance practices, where insurers may attempt to deny claims unjustly. Pennsylvania law equips drivers with legal avenues to challenge such practices, potentially leading to punitive damages and other compensatory payments.

For accidents involving government vehicles or road hazards, special rules apply. Claims against government entities have stringent notice requirements and protective statutes, but exceptions exist that may allow for compensation.

Understanding your rights and the nuances of auto insurance in Pennsylvania can be the key to not only recovering from an accident but also ensuring your financial stability remains intact. HGSK attorneys emphasize the importance of informed coverage choices and proactive measures post-accident to defend rights and secure due compensation.