ASABYTY AVARYYATNYH accident – Who pays that Pensylvanii?
Navigating the world of insurance after a car accident can be very confusing. There are many issues that revolve around who pays for injuries, medical bills and property damage. Understanding the nuts and Balts law on car accidents can prematurely to save a lot of time and effort.
A. How many?
According to the law of Pennsylvania, car owners in Pennsylvania have to bear at least 15 000 US dollars compensation for injuries to pay for injuries to another driver in case of an accident. Drivers can choose from a large amount.
B. Who pays?
Coverage of injuries based on wine and is available as a result of the accident the other driver. For example, the driver A causes an accident with a driver, causing the suras & # 39; serious personal injury to the driver B. The driver of car for the car includes the state at least – 15 000 dollars covering bodily injury. Driver B can before the & # 39; reveal the complaint in accordance with the policy Car Driver A, when he inflicted bodily injury to a restriction of 15 000 US dollars. However, the driver B may be limited in what he can recover, depending on whether he has chosen the full cake or cake in your own limited automation policy.
C. How does it work?
In some cases, the victim before the driver can & # 39; make known a claim for personal injury against the other driver's insurance company without filing a lawsuit. However, if the insurance company does not offer a fair and reasonable compensation, the injured driver may need to file a lawsuit against the other driver.
A. How many?
According to the laws of Pennsylvania, car owners in Pennsylvania have to bear at least US compensation for damage to property of $ 5,000 to pay for property damage to another driver in case of an accident. Drivers can choose from a large amount.
B. Who pays?
This type of coverage is often misunderstood. It is not available for the insurance of the driver as part of its own policies. Rather, it is available to another driver in an accident, and is based on fault. In our example, A driver causes an accident with a driver B. The driver of the machine B has the total amount. A driver has coverage for damage to property of $ 10,000. Driver B can before the & # 39; reveal the complaint in accordance with the policy Car Driver A to the fair market value of the total car – up to 10 000 US dollars. In the same example, suppose a car driver A has been damaged. A driver can not be before the & # 39; to reveal the requirement for damage of property as part of its policy. Again damages to property is available only other driver and is based on fault.
C. Collision and complex coating
Collision and comprehensive coverage is not a & # 39 are mandatory and cover various types of automatic damage. Collision covers any damage caused by a car accident, less the deductible. Complex coating covers any damage accidents, such as fire, theft, etc., less computing. The driver, who purchased these types of coatings can before the & # 39; to manifest action in accordance with its own policies cars. Using the same example, the driver of Us A-, caused the accident can before the & # 39; to reveal the claim for repair of your car, if and only if it has collision coverage. If the driver A is joined coverage against collision, he is responsible for the repairs.
D. How it works
If the result of an accident caused by another driver, the car of an innocent driver is damaged, the claim for damage to property may be before the & # 39; manifest itself differently driver car insurance company. As long as the accident is clearly the other driver's fault, it's usually the easiest way to pre & # 39; manifest property damage. If an innocent driver has hit a bump in the framework of its own auto policy, the claim for damage to property may be before the & # 39; is shown to own insurance companies for motor insurance. However, the deductible will be deducted from the total amount that is taken out. Then, as the accident was the other driver's fault, innocent driver avtastrahavoy private companies should get a franchise from the other driver's car insurance company. This final deduction should eventually get to the innocent driver.
Again, using our example, the driver A fault in an accident with a driver B. The driver B has a collision with a standard deductible of $ 500. The driver has the possibility of B before & # 39; to reveal a claim to the insurance company or the Driver A private insurance company. If it is before the & # 39; is a claim to your own insurance company, he will receive a fair market value of its total vehicle minus $ 500, which can be deducted. Then, his insurance company will require compensation insurance company Car Driver A for fair market value and the calculation. At some point, the driver B must obtain a franchise in the amount of $ 500 from their own insurance company – because the accident was the driver's fault A.
A claim for property damage is usually pre & # 39 is without recourse to the court. Cases such as the cost of renting a car and towing / storage, immediately compensated if an innocent driver has acquired such coverage in their policies. Otherwise, the next trial the victim injury against another driver they will fall out of pocket expenses.
A. How many?
According to the laws of Pennsylvania, car owners in Pennsylvania must have at least $ 5,000 of medical coverage to pay for medical bills that have occurred as a result of a car accident. Drivers can choose a higher amount to $ 1 million.
B. Who pays?
In many states, including Pennsylvania, there is a "no fault", which means that regardless of whose wines of an accident, the driver can pre & # 39; make known the health benefits of their own car insurance field, until the purchase of medical care.
Using our example, the driver causes an accident with A driver B. In both drivers have insurance policies to cover health benefits. Let's assume that the driver A has health benefits at $ 10,000, and the driver B – at least $ 5,000. If both drivers injured and require medical treatment, they both provide the claim in accordance with the relevant policies. In this example, the driver A can before the & # 39; to reveal claims of health benefits to 10 000 dollars, and the driver B can before the & # 39; to reveal a claim to medical care up to $ 5000.
Also, the amount of coverage of health benefits – per person, on average. In other words, if the father and his teenage son were injured in a traffic accident, and the father has auto record on the protection of medical benefits $ 5,000, both can receive up to $ 5,000 of coverage. If the father or son fall to the next catastrophe, they are again eligible for $ 5,000 to the same coverage.
C. How it works
When applying for medical benefits, the driver can see a doctor / provider, which he chooses, and to confirm the number of applications for auto insurance policy and information about car insurance. According to the laws of Pennsylvania, where the driver provides this information to the medical service, the medical provider is obliged to issue car insurance and can not count the cost of the driver directly. After the car insurance company will receive a bill from a medical professional, account size will be reduced in accordance with the Law of 6 amendments to the law of Pennsylvania on automotive vehicles, adopted in 1990. 6 Act restricts the amount that medical providers may charge in the event of accident medical bills. At some point, the number of medical benefits under the automobile policy may be exhausted, and then the driver will use its own medical / health insurance to cover the remaining accounts.
D. coating Priority
If a person is injured in an accident, there may be several sources of medical care. According to the laws of Pennsylvania, there is a procedure for coating, known as the "priority enrollment". The first level – it's auto insurance policy in which the victim is a man with a & # 39 is "given to the insured" – which usually means the auto insurance policy purchased victims. The second level – a car insurance policy, in which the affected person "is insured". Usually it refers to a car insurance policy acquired by the victims husband, father or a relative living in the same household & # 39; and.
The third level is used in the event that the affected person does not own automobile insurance policy and not covered by the insurer in any policy. This third level – is an automatic policy, which covers the car in which the victim was driving when the accident occurred. Finally, the fourth level concerns of victims, with & # 39 are pedestrians or cyclists. This fourth level – is any auto policy, which is involved in an accident. In some situations, it may be used more than one policy – and the first automobile insurance policy, which will be issued, will be liable to the amount of medical care. Then the insurance company can claim compensation in another insurance company. Also, if a person is injured in a car accident during employment, workers & # 39; Covering compensation to & # 39 is the main source of medical support helped.
F. Persons who are not eligible for medical benefits
According to the laws of Pennsylvania, certain classes of drivers do not qualify for medical benefits, even though they purchased automobile insurance policies. They include motorcycle riders, snowmobiles, motorcycles and four-car operators. Also, the owner of the registered car, which does not acquire automobile insurance, can not pre & # 39; to reveal claims of medical benefits. For example, a person may have to register the car, but then does not get insurance on it. If this man were injured while on the passengers in the car a friend, he can not before the & # 39; to reveal claims of health benefits in accordance with the rules of car. These classes of drivers must use their own medical / health insurance to pay for medical bills, which have arisen as a result of an accident.
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