In legal terminology, bodily injury refers to any tangible, physical injuries, such as broken bones, internal injuries or head injuries, such as those that many drivers experience in a car accident. It also refers to death in the case of a fatal accident. Individuals who suffer personal injury in an accident that another driver caused may have recourse to recover compensation for damages, either from their own insurance or from that of the at-fault party.
Our firm is prepared to handle a wide range of bodily injury cases in Pennsylvania, including:
Pennsylvania requires drivers to carry bodily injury liability insurance of $15,000 per person and $30,000 per accident. This type of coverage will pay for other drivers’ injury-related damages if the policyholder injures someone in an accident. Pennsylvania drivers also must carry medical benefits coverage, which pays for the policyholder’s own medical damages.
Collecting Damages from Your Own Medical Benefits Coverage
Pennsylvania is a choice no-fault state. This means that when you are involved in an accident, you will file a claim with your own insurance company, regardless of who was at fault for the accident. The state requires that drivers carry a minimum of $5,000 in medical benefits coverage, though some choose to purchase more coverage.
If you chose to purchase additional, optional coverage, you may rely on that as well. This might include loss coverage and collision coverage, which can help replace lost wages and repair your car.
Independent Medical Examiner (IME)
What if your medical benefits coverage isn’t enough?
A serious injury can rack up tens of thousands of dollars in damages — or more in some cases. Many drivers’ medical benefits coverage just isn’t enough to take care of all the expenses.
In the event that you’re injured in an accident and your medical benefits coverage isn’t sufficient to cover your medical expenses, you may pursue a tort claim against the at-fault driver. But your ability to do so is dependent on the type of insurance you purchased and the extent of your injuries.
If you chose limited tort, then you may only file a tort claim against the other driver for pain and suffering if you suffer serious injuries. You may recover out-of-pocket medical expenses if you have limited tort coverage, even if your injuries are not serious. If you have full tort coverage, you are not limited in your right to pursue pain and suffering damages from the at-fault driver.
Contact Us for a Free Consultation
It’s important to look for an attorney who practices in your general area, not only for convenience, but also because a local lawyer will be very familiar with local laws and the local court and will be better able to handle your case.
If you live in or near Stroudsburg, Palmerton or Bethlehem, our attorneys at ARM Lawyers can assist you. For questions regarding bodily injuries, car accidents or any other personal injury questions, feel free to contact us online, or call our staff in the office nearest you: Stroudsburg: 570-257-4509; Palmerton: 484-765-8140; or Bethlehem: 610-849-2788.