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A look at Pennsylvania's no-fault auto accident insurance option

Most people purchase insurance covering motor vehicle accidents without truly understanding what they are buying. Hopefully, you never have to file an accident insurance claim, but if you do, it is vital to understand how your policy will protect you. Without a good grasp of the insurance laws in Pennsylvania, there exists a chance that you could fail to receive the compensation you are due.

You can always discuss your insurance coverage with an attorney before or after a motor vehicle accident occurs. However, it is wise to develop at least some understanding of the laws on your own. For example, Pennsylvania is one of the few American states offering no-fault insurance policies. This law allows those involved in motor vehicle accidents to acquire compensation regardless of fault.

No-fault insurance sounds like it is a good coverage option and it often is, but there is one big disadvantage for you to consider. Unlike traditional tort liability insurance policies, no-fault plans prohibit you from initiating a lawsuit against the motorist who caused the crash in most cases.

One exception to no litigation rule is a crash that results in catastrophic physical harm or disfigurement. In these cases, victims can use the law to increase the amount of compensation they can acquire. As usual in a situation involving the court system, you will benefit from having a legal professional and advocate to help you fight for your rights.

When it is time for you to renew your auto insurance policy, it is a good idea to weigh the advantages of all insurance options against their disadvantages. This, combined with authoritative legal guidance can help you make sure that your needs will be met if a motor vehicle accident does occur.

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