Pennsylvania and New Jersey are among the states that observe no-fault insurance policies. The no-fault policy is designed to reduce the number of car accident lawsuits by requiring each driver involved to recover damages from his or her own insurance company, regardless of who was at fault. In Pennsylvania, the no-fault policy applies to medical expenses and lost wages – so each individual’s insurance will cover those costs in most cases. However, accident victims can still sue for non-economic losses such as pain and suffering, serious impairment, and severe injuries yielding expensive medical costs.

The fault / no-fault laws are complex, they vary from state to state, and they depend greatly on the type of insurance that each party holds. Consult the auto accident attorneys at Shaffer & Gaier before taking action. If you accept money from your insurance company before speaking with a lawyer, you may end up paying out-of-pocket for excess medical bills and other expenses.