For most people who are injured or in pain after a car accident, their
first priority is getting the medical care they need. However, if you
have a high-deductible health plan, or worse, no insurance at all, this
can seem like a major challenge. Fortunately, the Pennsylvania Motor Vehicle
Financial Responsibility Law (MVFRL) is specifically designed so that
car accident victims in Collegeville and Pottstown have access to medical
care, regardless of their personal financial and insurance situations.
First Party Medical Benefits under the MVFRL
Every policy of motor vehicle insurance issued in Pennsylvania includes
at least $5,000 of coverage for medical bills. This applies regardless
of who was at fault:
- If you own an insured vehicle in Pennsylvania, your own insurance company
provides this coverage even if your vehicle was not involved in the crash.
- If you do not own a vehicle but live in the same household as someone who
does, that person’s policy may provide medical coverage, again,
even if the insured vehicle or person was not involved in the accident.
- If neither you nor any member of your household owns a vehicle, you may
be able to receive medical coverage under the policy covering the car
in which you were a passenger. This is regardless of your relationship
to the owner of the insured car.
- If you are a pedestrian who does not own a car and does not live with anyone
who owns an insured car, you can still receive medical benefits from the
policy covering the car that struck you, even if it is unclear that that
car was at fault.
Making a claim for medical expenses will not increase your premiums or
the premiums of the policyholder. In the rare situation where none of
the above scenarios apply, auto accident victims may still be able to
have their medical bills paid through the Pennsylvania Assigned Claims
Plan, a fund established by the
MVFRL, administered by the state, and funded by Pennsylvania auto insurers.
The takeaway is that there is no reason to live in pain if you have been
injured in a car accident. Even if you don’t have health insurance
and can’t afford to pay out of pocket, the odds are good there is
coverage available. If you are unsure of how to get your medical bills
paid, a Collegeville auto accident lawyer may be able to steer you in
the right direction.
Contact a Montgomery County Personal Injury Attorney Today
If you’ve been injured in a car accident in Collegeville, Pottstown,
or anywhere in Montgomery or Chester County, make sure to give your doctors
your auto accident claim number, and contact Mayerson Law, P.C. by phone
at 610.492.7155 or through our
website for a free consolation.