Tag Archives: No Fault

Ask Anna: Pennsylvania Auto Accident and Injury Claim

Question: Left as a comment on the Ask Anna Blog. Dear Anna, Perhaps you my know, or can direct me to where I can find out, but…..,we live in Pennsylvania with no-fault auto/motorcycle insurance laws and were involved in a motorcycle/automobile accident where the other driver was at fault. Because we assumed that we could sue for pain and suffering and damages under the full tort option we paid for, we felt secure. As it turns out in Pennsylvania, per our attorney, we are being told that we “cannot” sue because: 1) It would cost us way more than we … Continue reading →

No-Fault Auto Insurance: Pros and Cons

In a pure no-fault auto insurance system the insurance company pays for the economic damages, up to the policy limit, of the insured. Pure no-fault systems will not allow any kind of law suite against the negligent driver for “non-economic” damages including pain and suffering, loss of companionship. Right now there are no states that use a pure no-fault system. All of the no-fault auto insurance states are actually using a modified no-fault system. Insurance companies pay the economic damages up to the policy limit, but there are still opportunities to sue for non-economic damages when the damages exceed the … Continue reading →

No-Fault Auto Insurance: The Basics

In the majority of states, personal auto insurance operates under the standard fault-based system. Auto insurance pays claims based on each driver’s percentage of fault for each motor vehicle accident. Adjusters decide which driver holds the greatest degree of fault and claims are paid based on the percentage of fault each driver may share for the accident loss. This system can lead to long and expensive court battles with judges deciding which driver is at fault in many auto accident claims. An effort to eliminate these costly court cases has lead to many states creating an alternative and using a … Continue reading →