If I Am In A Car Accident In Chester County, Who Pays My Medical Bills?
Pennsylvania No-Fault Insurance
Pennsylvania is a no-fault insurance state. That means that at least the first $5,000 of any medical bills from the car accident is paid by your own insurance company – whether or not the accident was your fault or the other driver’s. In Pennsylvania, everyone who drives a car must have car insurance. The minimum amount for medical coverage is $5,000. You can select a higher amount, and should select a higher amount, if you do not have personal medical insurance. Most people don’t realize that their own car insurance company pays the first $5,000 (or more if you have more coverage), of any medical bills from the accident. If you do not own a car and are a passenger, the first $5,000 of your medical bills would be paid by the insurance company for the owner of the car that you are in. If you own a car and are a passenger of another car and are injured, your medical bills are still paid by your own car insurance company.
All additional medical bills would be paid by your health insurance company. If you do not have health insurance, then you would be responsible for payment of your medical bills. You, of course, could sue the other driver for these bills, but they would not be paid until the case was resolved. If you have any questions about medical bills in a car accident in Chester County or would like us to review your car insurance policy, please give us a call!