Attorney Michael L. SailePennsylvania has no-fault auto insurance requirements in place. In addition to the no-fault policy, motorists must also carry a liability policy. Understanding the difference between no-fault and liability coverage policies can help you better understand which policy covers what party in an accident.
So What Is the Difference Between No-Fault and Liability?
The biggest difference between no-fault and liability coverage is who the policy covers.
In general, no-fault coverage pays out to cover the policyholder’s own damages, no matter who caused the accident. Depending on the state’s laws and the individual policy, this may include medical treatment, lost wages, and other crash-related losses.
No-fault coverage includes:
- Personal injury protection
- Medical benefits
- Uninsured motorist protection
- Underinsured motorist protection
Liability coverage, on the other hand, pays out to cover losses suffered by other people involved in an accident that the policyholder caused. Liability policies cover injuries the policyholder is liable for.
Liability coverage includes bodily injury and property damage.
Pennsylvania requires motorists to carry both no-fault and liability coverage, although the laws differ somewhat as to what these policies must cover.
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What Are the Required Types of Pennsylvania Auto Insurance?
Pennsylvania has complicated insurance laws, which include minimum requirements for three types of insurance coverage all motorists must carry. This includes:
- Medical Benefits: This no-fault policy covers any injuries the policyholder suffers, no matter who caused the crash.
- Bodily Injury Liability: This coverage pays out for the medical care of others who suffered injuries in a crash caused by the policyholder.
- Property Damage Liability: This coverage pays for the repair or replacement of any other party’s property damaged in a crash caused by the policyholder.
Contact Cordisco & Saile, LLC for Help Recovering Compensation
Unfortunately, even if you are trying to recover compensation from your own insurer, it is rarely much easier than recovering from another party’s insurer. Both insurers are businesses and will do what they can to deny or reduce your settlement amount.
The car accident attorneys at Cordisco & Saile, LLC serve injured victims in Philadelphia, Allentown, and Bucks County. To schedule a time to discuss your legal options after an area auto accident, call our office today at 215-642-2335.
Serving as a personal injury attorney in Pennsylvania, Michael Saile has been honored as both a Brain Injury Top 25 Lawyer by National Trial Lawyers and a 2024 Super Lawyer. He earned his J. D. at Widener University School of Law where he was a member of the Moe Levine Trial Advocacy Honor Society. Saile is also the author of two publications titled “Not Another Bad Lawyer” and “Don’t Crash Again”.
