As an expert in the field of car accidents in Pennsylvania, I have seen many cases where individuals are unsure of who is responsible for paying for property damage. In this article, I will provide you with all the information you need to know about who pays for car damage in Pennsylvania. First and foremost, it's important to understand that there are two ways to receive payment for property damage when you are involved in a car accident in Pennsylvania that is not your fault. The first way is through your own insurance company, and the second way is through the company of the at-fault party. Pennsylvania is considered a “preferred” no-fault car insurance state. This means that your no-fault coverage will cover medical bills and expenses related to any injury up to the policy's limits, regardless of who caused the collision.
However, whether your insurance company covers damage to your property will depend on whether you have collision coverage, which is optional. If you do not have collision coverage, you may have the option of filing a claim against the at-fault driver's insurance company to cover repairs or replacement of your vehicle. In Pennsylvania, each party, regardless of who is at fault, collects compensation from their own respective insurers. This includes lost wages and medical bills. If you are involved in an accident, you can also file a lawsuit against the insured for compensation.
The at-fault driver will then be responsible for paying for medical expenses and lost wages as a result of the car accident. Now, I understand that most people are hesitant to use their own insurance company in a car accident that they did not cause. However, it's important to remember that your insurance company is there to protect you and provide coverage when needed. For those who have full liability insurance in Pennsylvania, you have the option to file a lawsuit for pain and suffering from injuries sustained in a car accident caused by another driver. In cases where the collision only causes property damage, a car accident must be reported if the damage is significant enough to prevent the vehicle from moving away from the scene. While not all accidents are required to be reported by law, it can still be beneficial to file an accident report even if you only sustained minor property damage and were not injured. As an expert, I understand that repairing your vehicle after a car accident can be a daunting and intimidating task.
That's why it's important to know your rights and options when it comes to receiving compensation for property damage in Pennsylvania.
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