• Changing the Way People Think About Lawyers

    Work Accidents  •  Crime Victims  •  Premises Liability  •  Defective Products

    Auto Accidents  •  Medical Malpractice  •  Brain Injuries

  • Over $100 Million for Injured Workers in Pennsylvania & New Jersey


    Work & Construction Accident Lawyers

    Jeff Laffey  •  Paul Bucci  •  Brian Kent

  • What Our Clients Say


    “I have the utmost respect for Brian, Jeff, and Paul. They left a positive mark on my life.”


    “I would highly recommend your office to others. Everyone in the office is a true professional."

  • Results Matter in Your Injury Case


    $9 million - Pennsylvania Auto Accident

    $3 million - Philadelphia Surgical Malpractice

    $2.75 million - Slip & Fall Accident

Oct 092015
 

Question: My 18 year old son was seriously injured in a head-on accident in Philadelphia. The other driver’s insurance company called to find out about the accident and told me that there was minimal coverage. What does that mean? Does the other driver still pay for my son’s medical expenses? Can my son still recover for his injuries and damages?

Answer: First, your son’s medical expenses are not covered by the other driver’s auto insurance policy. Rather, they are paid for by your son’s auto insurance company. The reason for this is Pennsylvania’s no-fault law. This means that regardless of fault, an injured insured driver’s medical expenses resulting from a Philadelphia car accident are covered by his own insurance policy pursuant to PIP or medical coverage. If your son’s medical/PIP coverage is exhausted, then he would use his private health insurance to cover his medical expenses. For example, if your son’s PIP coverage is $5,000 and his medical expenses are $8,000, then any medical expenses after $5,000 would be covered by his health insurance.

Second, minimal coverage means that the other driver has the minimum amount of liability coverage, and in Pennsylvania, that amount is $15,000. Your son may still recover for his injuries and damages from the at-fault driver; however, the maximum amount he will be able to recover is $15,000. Therefore, if his injuries and damages exceed $15,000, then he may be able to recover for his injuries from another source – his own auto insurance company by filing an underinsured (UIM) claim.

Related: Philadelphia, PA Car Accident Law – What is the difference between UIM and UM coverage?

Underinsured motorist (UIM) coverage is a type of coverage a driver may choose when buying auto insurance; however this coverage is not mandatory. Therefore, your son may only file a UIM claim if he has UIM coverage.

UIM coverage protects an injured insured driver when the other driver’s liability coverage is insufficient. For instance, if your son’s injuries are valued at $100,000, he may recover $15,000 from the at-fault driver. Then, depending on the amount of UIM coverage he has, he may file a UIM claim with his own insurance company to recover the remaining $85,000 in damages.

Let’s assume your son has $100,000 of UIM coverage. If your son’s injuries are valued at $200,000, the maximum he will be able to recover is $115,000. He would receive $15,000 from the at-fault driver, and he would only be able to receive the maximum UIM coverage, which is $100,000.

Lastly, you don’t have an obligation to talk to the other driver’s insurance company. It is best that you consult with a lawyer and have the lawyer talk to the other driver’s insurance company.

FREE consultations from Philadelphia, Pennsylvania Car Accident Lawyers 800.220.7600

Our lawyers are available for a free, no obligation legal consultation, and can obtain special admission in other states, such as New York or Delaware, on a case by case basis.

**This website does not provide legal advice. Every case is unique and it is crucial to get a qualified, expert legal opinion prior to making any decisions about your case. See the full disclaimer at the bottom of this page.