Victims of automobile accidents are protected under personal injury laws in Pennsylvania. However, the state has initiated a no-fault insurance law that has helped reduce the need for litigation. Under these laws, all drivers are required to uphold the financial responsibility requirement by maintaining at least liability insurance. Unfortunately, some cases are significantly severe and some insurance carriers have refused to compensate the victims. When this occurs, they should contact a Personal Injury Attorney in Bethlehem PA.
Pennsylvania Automobile Insurance Laws
Fraud prevention is the primary focus of the state’s initiative to require financial responsibility. Far too many fraudulent claims are submitted and ultimately, waste county funding. Under the automobile insurance laws that intend to stop these actions, all drivers are required to possess insurance that covers up to $15,000 per victim of an automobile accident. If multiple victims are identified, the policy should provide coverage up to $30,000 of the total cost. It should additionally provide $5,000 for property damage.
All drivers involved in an accident are required to file a claim with their own insurance carrier after the accident. With the no-fault ruling, the victim’s own insurance policy is responsible for paying for their medical costs and property damage. However, if another individual caused the accident and the victim died, sustained injuries that warrant a permanent disability, or suffered a disfigurement, the state provides grounds for a lawsuit against the other driver. The victim or their family should hire a Personal Injury Attorney in Bethlehem PA when this occurs.
Unlike other states, Pennsylvania does not impose a SR-22 requirement on drivers convicted of DUI. However, when a driver chooses to drive while intoxicated and causes an accident, criminal charges are filed against them by the Northampton County court. If the driver possesses SR-22 insurance in other states, he or she is required to show this documentation at their local DMV in Pennsylvania.
The nature of the personal injury sustained by the victim could allow the court to impose further charges. Victims of accidents in which a DUI was the underlying cause should consult a Personal Injury Lawyer in Allentown, PA to establish their rights.