What damages am I entitled to seek recovery for if I am not at fault?
Medical expenses, loss of wages, property damage, damage to your vehicle, and other out-of-pocket related expenses.

Who should I submit my medical bills to?
Your medical providers are required under PA law to send their bills directly to your auto carrier until the medical benefit limits are exhausted under your auto policy.

Can I be held responsible for my medical bills resulting from my accident?
Possibly. Under your auto policy, unpaid balances are not collectable from you, the insured. However, medical providers may bill the patient/insured if no other health coverage applies once the medical limits under your auto policy are exhausted.

What is the difference between Limited Tort Option and Full Tort Option under Pennsylvania law?
Under the Limited Tort option, you are precluded from recovering for pain and suffering unless the injuries suffered fall within the definition of "serious injury" as defined in your policy. You may however, seek recovery for medical and other related expenses under both the Full Tort and Limited Tort options, and additionally for pain and suffering under the Full Tort option. For additional questions regarding the Tort options under Pennsylvania law, you should contact an attorney knowledgeable in this area.

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