At-Fault vs. No-Fault Insurance Laws
States either enforce “at-fault” or “no-fault” insurance laws. These laws determine from which party you recover compensation after a car accident.
Learn about Pennsylvania’s insurance laws and how they will affect you after an accident.
In states with at-fault insurance laws, the driver responsible for the accident (and their insurance company) will pay damages to the other parties in the crash. The at-fault driver’s insurance company will pay the cost up to the driver’s limit. After that point, the driver will be responsible for paying the rest of the cost.
No-fault states, on the other hand, require insurance companies to compensate their drivers for damages sustained in an accident, no matter the liable party.
Pennsylvania enforces a combination of at-fault and no-fault insurance laws. In most cases, you will file a no-fault claim and recover compensation from your own insurance company. In certain situations, you may file an at-fault claim against the negligent driver if your case meets certain criteria.
It’s important to remember that insurance companies will look for any excuse not to pay you the compensation they deserve. As such, it’s vital for you to know what to do after an accident to protect your rights.
After an accident, taking the following measures will help reduce the chances of your insurance company denying your claim:
- Contact the authorities.
- Seek medical attention.
- Retain all medical records.
- Take photos of injuries and damages.
- Contact an experienced personal injury attorney.
A car accident has the potential to change the course of a victim’s life. If you have been harmed in an accident due to another’s negligence, our Pittsburgh personal injury attorneys are here to help.
We have nearly four decades of experience protecting the rights of the injured, and we’re here to help you, too.
Contact Robert Peirce & Associates at (844) 383-0565 to speak with our team.