If you have been involved in an accident and you live in Pennsylvania, it is important to get familiar with laws in the state before you need to file a claim for injuries. Pennsylvania car insurance differs from different car insurance in other states. This is because Pennsylvania is a “no-fault” state and the laws are constructed behind no-fault laws to make the process of filing claims and collecting on claims easier. As a driver, the last thing you need to deal with is trying to collect on damages that you deserve. Understand how no-fault insurance works and what the statute of limitations are in the state so you never wait too long to collect on money when you need money to rebuild your life and live comfortably.
What is No-Fault Insurance and What Does That Mean For You?
Before you start researching how long you have to file a claim you need to understand how your policy works. No-fault insurance is an insurance policy where your insurance company will pay you for your damages regardless of who was deemed at-fault for the accident. While this may not seem fair if you are from another state, it is designed to help drivers file stress-free claims. When you have insurance that uses fault as a payment indicator, each insurance company will go back and forth with their investigations to try to identify who was at-fault for the loss. Each insurance company wants to other party to be at-fault so they do not have to pay. When fault is not an issue, the claims process can go much more quickly.
What is Limited Tort?
You can choose between two different types of no-fault insurance: limited tort and full tort. Limited tort policies limit your right to file claims on pain and suffering and other damages. In turn for limited rights you will pay lower premiums. You do still have the right to file a claim for damages but you will need to review your policy to see which damages are recoverable and which are not. When you have a full tort policy, you are not limited in what you can claim. Make sure you sit down and review your policy so you have a deep understanding of this before you file your claim.
How Long Do You Have to File a Claim?
Now that you understand how your insurance works, you need to find out how long you have to file a claim. Each state has a statute of limitations on personal injury claims resulting from an accident. In Pennsylvania, you must file a claim within 2 years of the accident to receive compensation. If the time frame expires, collecting can be very difficult unless there are extenuating circumstances.
Make sure you understand your Pennsylvania car insurance inside and out when you are filing a claim. Stay in contact with your claims adjuster and find out what you can file a claim for. The money you receive will help you rebuild your life.