If you are injured in an accident involving the operation of a motor vehicle, common sense may lead you to believe that the party responsible for the accident must pay for all of the treatment of your injuries. In Pennsylvania, the law requires all owners of motor vehicles to maintain financial responsibility (insurance) including a minimum of $5,000 in PIP (Personal Injury Protection) first-party no fault medical benefits. Some polices offer more benefits.
This means that medical payments must first be sought and exhausted from your own auto policy or the policy of any relative living in your household who owns a motor vehicle. Some medical bills are paid at “trauma” rates whereas other medical bills may be paid at reduced Act 6 rates so it is important to review medical bills with your lawyer.
At Anthony Urban Law Offices, P.C., our Schuylkill County personal injury attorneys help injured individuals like yourself to navigate the complexities of their medical bills after an accident.
We work to recover compensation for the following medical bills:
If you own a registered but uninsured vehicle at the time of the accident, you may not be eligible for any PIP benefits. On the other hand, if you do not own a vehicle and you were an occupant (passenger) inside a vehicle involved in the accident, you may still be able to collect benefits. Regardless of whether the driver of the vehicle you were in was at fault, you may be able to obtain PIP benefits from the insurance policy covering the vehicle in which you were an occupant. You may also be eligible for benefits under the assigned claims risk plan in Pennsylvania.
If you were a pedestrian the same rationale applies: you must pursue PIP benefits from any "household" policy first and if none, seek PIP benefits from the policy covering the striking vehicle. This rationale works for most auto cases, however motorcycles may not be considered motor vehicles and thus motorcycle owners may not be required to carry PIP benefits, even though some policies may offer such medical benefits. For this reason, it is always a good advice to check the applicable policies for PIP coverage.
We understand how difficult these situations can be, especially if you have suffered serious injuries in an accident and are trying to heal from them. This is where having a Schuylkill County injury lawyer to represent you can help you immensely. You must thoroughly review everything that you are asked to sign so that you do not mistakenly waive any claims or release claims unknowingly.
Speak with a lawyer at our firm today during a free consultation to discuss your options. Call us now at (888) 268-0023 to make an appointment.