ChesterNewMatter4thQtr2021 - 8

CCBA Feature
By Tim Rayne, Esq.
MacElree Harvey, Ltd.
A Car Insurance Primer
for Lawyers
Pennsylvania requires you
to carry at least $5,000 in
medical expense coverage.
However, I recommend that
you consider buying more
since it's very inexpensive
and it will pay your medical
bills after a motor vehicle
related accident without
any deductibles or copays.
In these days of high
deductibles and co-pays
in health insurance plans,
I recommend that people
consider having $100,000 or
more of medical coverage.
Also, it may seem strange,
ven if you don't handle personal injury cases, as a
lawyer you may get questions from your clients,
family or friends about car insurance coverages or
car accident issues. Here are some important tips about
Pennsylvania car insurance that impact your legal rights
if you are injured in a car accident:
Pennsylvania works on a " no-fault system " for the
payment of First Party Benefits. What that means is
that regardless of who caused the accident, your own
insurance company will pay for certain things. First Party
Benefits paid on a no-fault basis include benefits for
medical bills, lost income, and accidental death/funeral
and burial expenses.
When you buy your car insurance you must purchase
medical benefits, but lost income and accidental death/
funeral and burial expense coverage is optional.
8 | New Matter
but this medical coverage
applies regardless of who
was at fault for the accident.
Even if another driver
caused the accident, your
own insurance will pay your medical bills. In addition,
the medical coverage follows you around such that
it applies to any motor vehicle accident that you are
involved in regardless of whether you were driving your
own vehicle.
So, if you were injured driving or as a passenger in
another car, as a pedestrian struck by a car, as a passenger
on a bus, or even as a bicycle rider hit by a car, your own
car insurance medical coverage will pay your medical
bills up to the amount of coverage you chose.
First Party coverage for lost income and accidental
death is optional but important to consider. Again, these
benefits are paid on a no-fault basis, so regardless of
whether you caused the accident or someone else caused
the accident they will cover you.


Table of Contents for the Digital Edition of ChesterNewMatter4thQtr2021

ChesterNewMatter4thQtr2021 - 1
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