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What PA’s No Fault Insurance Law Means for Accident Victims


Pennsylvania insurance law is a little different than it is in many other states and it is important to understand if you have been in a Pennsylvania car accident.

Pennsylvania’s no fault insurance policy provides that a victim’s own insurance company must pay his or her medical bills regardless of who was at fault for the accident.  In other words, even if someone else caused your injuries, your own insurance company is responsible for paying your medical expenses pursuant to the terms of your insurance policy.

Three Reasons Why You Still Need a Pennsylvania Car Accident Lawyer

While this system of compensation may seem simpler at first, it is still important to be diligent about protecting your rights and potential legal recovery. Specifically, you may still need a Pennsylvania car accident attorney to:

  1. Persuade Your Insurance Company To Provide You Fair Benefits. Your insurance company is no different than any other.  It is out to make money by paying you (and other claimants) as little as possible.  A Pennsylvania injury lawyer can negotiate with your insurance company and help you get the damages that you deserve.
  2. Help You Recover Medical Expenses From the Other Party’s Insurance Company, if Your Costs Exceed Your Own Insurance Coverage. Your own insurance policy will have a maximum medical benefit amount that can be used to pay for your automobile accident related medical treatment.
  3. Help You Recover Other Expenses From the Defendant or Defendant’s Insurance Company. Medical expenses are an important part of your recovery, but they are not your entire recovery.  You may also, for example, be able to recover damages for pain and suffering. Your insurance company is not obligated to pay for those damages.  Instead, you and your Pennsylvania accident lawyer may need to pursue damages against the party who caused your accident or that party’s insurance company.

For these reasons, it is important to contact a Pennsylvania limited tort lawyer today for more information about how to protect your rights after a motor vehicle crash.

Call Ostroff Law for a free consultation and if there’s an exception that will allow you to get a full recovery, we’ll find it. We have your back.

I left another lawyer in Pittsburgh because he said he could not help me, because I had limited tort insurance. I found Mr. Ostroff on line. He called me in 10 minutes, sent a lawyer to my home in two days and settled my case for $200,000 in less than one year.

I’ve been in three auto accidents and for the first time in my life, I feel great about my attorney. Truly. [They are] empathetic and experienced, the perfect combination for an attorney, in my opinion.

Jon Ostroff has redefined my expectations and opinions of Injury Lawyers! In the worst part of my life I am not only gained a great friend, in Jon, but a lawyer who did everything he said he could! Outstanding communication skills, integrity and compassion! A True Friend and DAMN GOOD ATTORNEY!

Take a Step Toward Your Recovery Today

Ostroff Injury Law helps victims with limited tort still obtain damages to cover pain and suffering, medical bills, and other related expenses. Call our firm today at 800-818-8148 or fill out the form to the right if you need an attorney to fight for your rights after a vehicle accident.

As always, you pay nothing until your case settles.