One of the most common questions that we hear from both clients or the relative of a client is: “Why should my auto insurance pay for the medical bills when my car was not involved”? The simple answer is that the law requires that it does so. However, that does not satisfy the questioner and they do not believe me to be correct. For them there is no logic as to why their insurance must pay medical bills when their vehicle was not involved. Here is my normal response to the question.

Every policy of auto insurance comes with health insurance coverage to pay medical bills for auto accident related injuries. In PA it is named First Party Benefits; in most other states it is called PIP. This coverage pays the medical bills of the insured and any relative who lives with the insured no matter whose car they were in when injured. The purpose of this law is to be sure the injured party is able to get proper medical care. If the other drivers insurance disputes who is at fault and the injured person has no health insurance it is hard to find a doctor to treat the injuries. Even worse if there are Emergency Room bills the injured party cannot pay those bills might go into collection. Thus the insurance laws known as NO FAULT were created to avoid these problems. By adding the medical provisions to everyone’s auto insurance to cover family members who are injured in accidents.

How does a medical benefit claim effect insurance rates. It does not!! Your premium cannot be raised by a claim for medical benefits.

MyLegalGroup at Stanshine & Sigal is your personal injury law firm. Our personal injury lawyers are here to assist you 24 hours a day. Call (215) 985-4204 for regular business hours or call our 24 hour phone line at (888) 960-8035. For Spanish call (609) 332-0596.