Many people have asked me over the years why their own insurance company has to pay their medical bills when they have been involved in a car accident: "Shouldn't the other driver's insurance company pay my medical bills?"
Under Pennsylvania's "Financial Responsibility" law
, car insurance policies are required to include coverage for the medical bills of policyholders and others covered by the policy. This is built into the rate structure of the premium you pay. If the coverage limit of your policy has been reached and benefits have exhausted it's another story (and a complicated one at that!) but the general rule is that in a car accident your medical bills are the responsibility of your own insurance company.
Many states have similar laws. These laws are often called "no fault" laws, perhaps because they prevent people from being without medical coverage regardless of who is at fault in causing an accident.
Please note that there are a number of very complicated rules and laws which govern when and how an insurance company - whether yours or the other driver’s - must pay medical bills. These laws are complicated. If you are having any problems at all in this area you should contact a lawyer who specializes in personal injury matters in Pennsylvania.
The Law Offices of Paul R. Weber has been practicing personal injury law for over 30 years. The firm represents clients in Bensalem, Morrisville, Bristol, Levittown, Yardley, Fairless Hills, Tullytown, Croydon and surrounding areas throughout Bucks County. Contact an experienced Bucks County injury lawyer
for help involving a motor vehicle, medical malpractice or any other type of accident case.
1 Oxford Valley
Langhorne, PA 19047-1899