What Happens When a Car Accident Claim Exceeds Insurance Limits in PA?

A car accident is a stressful event, but when the damage to your vehicle or the cost of your injuries goes beyond insurance limits, you might have an even bigger battle ahead. If you are in Pennsylvania and have a car accident claim that exceeds your insurance limits, here is what you need to know.

Understanding Insurance Limits

All drivers in Pennsylvania must carry a minimum amount of liability coverage, which includes bodily injury liability and property damage liability. The minimum requirements are fairly low:

• $15,000 per person for bodily injury
• $30,000 per accident for bodily injury (where there are multiple injured parties)
• $5,000 for property damage

As you can imagine, most serious accidents quickly exceed these limits. So, if you have opted for the minimum coverage and have been in a serious traffic collision, your next steps are important.

Exceeding Your Insurance Coverage Limits

After a serious wreck, the bills can start to add up quickly between medical expenses and car repairs. Once your insurance company has paid out the maximum allowed under your policy, you may be left responsible for any remaining balance, which can create significant stress.

In such situations, it’s crucial to consider pursuing legal action against the driver responsible for the accident. By taking legal steps against the responsible driver, you can seek comprehensive compensation for all your accident-related losses. A qualified attorney can help you gather evidence, establish fault, and guide you through the legal proceedings.

Call an Attorney for Help If Your Car Accident Claim Exceeds Insurance Limits

Insurance exists to protect your interests in the event of an accident, but if you have elected for the minimum coverage required in Pennsylvania, your policy might not cover the full extent of damage. It’s best to contact an experienced lawyer who can walk you through the claims process and navigate your next steps if the maximum payout under your policy is not enough to cover expenses in the aftermath of a collision.

Call Lowenthal & Abrams, Injury Attorneys, today for a free consultation to discuss your legal rights and options.