How Do My Medical Bills Get Paid After A Car Accident in Pennsylvania?

In Pennsylvania, it's called "No Fault" for medical coverage for a car accident. This means that, regardless of who is at fault, your medical bills are covered under your own car insurance policy (up to the limits of your coverage). In Pennsylvania, the state minimum for medical coverage on auto policies is $5,000. You are required to have at least $5,000 in medical coverage on your policy. Also, the medical coverage "follows the person". That means that your medical coverage under your auto insurance still covers you even if you are driving, or a passenger in, someone else's car.

If you don't own a car or live with a blood relative that has car insurance, you could still be eligible for medical coverage. If so, if you are in someone else's car, their medical coverage would then apply for you.