If you have been in a car accident, the injuries you sustained may require medical treatment or surgery. Additionally, you may suffer other losses, such as loss of wages or pain and suffering. Since these losses can be substantial, you may wonder whose insurance pays for it. In Pennsylvania, the answer to the question depends largely on the type of auto insurance you are carrying.
Pennsylvania is one of the few states that are "choice no-fault." This means that residents may choose between traditional fault coverage and no-fault coverage. Although both kinds of insurance pay for certain losses, the type of coverage you elect can substantially affect your ability to recover your losses following a car accident.