Generally, a Pennsylvania driver who is injured in a truck accident will make a claim for medical bills on their own car insurance policy, not under the truck company’s car insurance policy. This is how Pennsylvania’s no-fault system works. Even though an accident is another driver’s fault, medical bills are paid by the injured person’s car insurance company, up to the amount purchased. Pennsylvania law requires a minimum of $5,000 of medical bill or PIP (personal injury protection) coverage.
However, after the PIP coverage exhausts, the truck company may be liable for the remaining medical bills in a subsequent lawsuit. Let’s say, for example, a driver injured in a truck accident incurs $25,000 of medical bills. The injured driver’s PIP coverage is $10,000. So there is another $15,000 of medical bills which must be paid. In most situations, after PIP exhausts, private health insurance kicks in. Learn more about getting medical bills paid after a truck accident in Pennsylvania.
In this example, while the remaining medical bills ($15,000) should be paid for by the truck company, that won’t happen until the truck company is sued and the case resolves, which could be over a year after the lawsuit is filed. Therefore it is in the injured driver’s best interest to have the remaining medical bills paid for by their private health insurance company. Later, in the lawsuit, the health insurance company may be allowed to make a claim for reimbursement, i.e., what it paid. This is the law of subrogation and is very complex.
More from our truck accident law library:
- Assessing Value in a Philadelphia Truck Accident Case
- Pennsylvania Car/Truck Accident UIM Law Update: Regular Use Non-Owned Exclusion
- Truck Driving and Use of Computers in the Cab
Help After a Pennsylvania & New Jersey Truck Accident
If you were injured in a truck accident in Pennsylvania, contact our Pennsylvania and New Jersey car and truck accident lawyers for a free consultation. Call 800.220.7600.
Our lawyers offer 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.
Our car and truck accident attorneys serve accident victims in the following areas: Allegheny County, PA; Berks County, PA; Bucks County, PA; Chester County, PA; Delaware County, PA; Lehigh County, PA; Montgomery County, PA; Northampton County, PA: Philadelphia County, PA; Atlantic County, NJ; Burlington County, NJ; Camden County, NJ; Cumberland County, NJ; Gloucester County, NJ; Salem County, NJ; New Castle County, DE; Kent County, DE; Atlantic City, NJ; Philadelphia, PA; Pittsburgh, PA; Newark, NJ; Doylestown, PA; Media, PA; West Chester, PA; Norristown, PA; Camden, NJ; Wilmington, DE; Newark, DE; Georgetown, DE; and New Castle, DE. Our lawyers can obtain special admission in other states 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.