At ACA Law, one of the most frequently asked questions we hear from clients who have been involved in a car accident is, “Who will pay my medical bills?” The answer comes as a surprise to many. If you are involved in a motor vehicle accident, your automobile insurer is responsible for the payment of you medical bills, up to the amount of coverage that you purchased. This is true regardless of who is at fault for the accident, or whether you are a driver, passenger or pedestrian. In all cases, your automobile insurer is responsible for medical coverage.
If you are not insured at the time of an accident, Pennsylvania law provides that medical coverage becomes the responsibility of the automobile insurer of any relative with whom you reside. If no such policy exists, the insurer of the vehicle you were in at the time of the accident is responsible for medical coverage. If that vehicle was uninsured, the policy covering any other vehicle involved in the accident is responsible.
Pennsylvania law provides minimum limits of $5,000.00 for medical coverage on auto law policies. Additional coverage may be purchased at various levels. Once the medical coverage on your automobile policy is exhausted, any additional medical expenses are covered by the injured party’s health insurance.
If you have been involved in a car accident, our team of lawyers at ACA Law can help guide you through the sometimes confusing world of insurance coverage. Call us today at 570-348-0200 for a free consultation. We fight for what’s right!