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Whose insurance covers medical costs after an accident?

| Apr 17, 2020 | Firm News |

Getting in a car accident can be an extremely emotional and stressful experience. There are so many challenges you may face: severe injuries and medical costs, loss of wages due to being unable to work, and damages to your car. On top of all of that, you’re concerned about how much of that you’ll have to pay.

If the accident wasn’t your fault, you might be eligible to receive compensation to cover all your post-accident finances.

What your insurance covers

The state of Pennsylvania makes it clear how your insurance kicks in after an accident. The Pennsylvania Motor Vehicle Financial Responsibility Law explains that your insurance company will cover some of your medical expenses.

If your expenses exceed the premium limit you set on your policy, your health insurance will cover those remaining costs.

What the other driver’s insurance should cover

If the other driver of the accident is found legally responsible for the crash, then you can rest a little easier. The other driver’s insurance company should pay for all the damages you sustained from the accident, including medical and repair costs.

However, making sure you receive the proper compensation isn’t always easy. Insurance companies typically care more about closing the claim quickly than about ensuring you receive as much compensation as you deserve.

This is when an attorney can help. They have experience with handling insurance companies and will prioritize your needs. An attorney can also help you navigate through the challenging post-accident process, so you don’t get overwhelmed while also trying to recover from your injuries.