Pennsylvania Auto Insurance: Medical Expense Benefits
Pennsylvania is a “first-party benefits” state, which means that your car insurance policy pays for your own medical treatment for injuries you suffer in a car accident.
That being said, Medical Expense Benefits on your insurance policy help to pay your medical bills for your car accident injuries.
Required minimum coverage under Pennsylvania law:
Our law firm’s recommended minimum coverage:
Why Medical Expense Benefits Are Important
Although the coverage required for Medical Expense Benefits under Pennsylvania auto insurance law is $5,000, our experience shows that is not enough. It doesn’t take too long to reach $5,000 when you’re dealing with medical bills – especially when you consider the potential costs of hospital treatment, surgery, extensive physical therapy, rehabilitation, and other medical services. We recommend a minimum coverage of $10,000 or possibly even more, especially if you don’t have other medical insurance.
If you reach the maximum you selected for Medical Expense Benefits, your health insurance takes over paying your medical bills. However, some health insurance plans may not cover certain treatments, or may only pay a portion of your bills. Also, your health insurance provider, or provider of another assistance program, may demand that you pay them back if you get money for your injuries.
If the only insurance you have for paying medical bills is your Medical Expense Benefits coverage on your car insurance, you may be personally responsible to pay any bills that go over the limit of that coverage. That’s why it’s so important to have enough Medical Expense Benefits coverage that will protect you and cover any medical bills you may have.
Serious Injuries From a Car Accident? You May Have a Case
If you were seriously injured in any type of car accident, you probably have piles of medical bills. You may have gone over the limit of your Medical Expense Benefits coverage, and maybe your health insurance provider doesn’t cover some of the treatment you need.
Whatever the situation, contact Edgar Snyder & Associates for a no obligation, free legal evaluation to learn your rights. Call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage to get started. You may have a car accident case, but there’s only one way to find out. There are time limits to file a claim, and evidence disappears quickly – so don’t wait.