Effective July 1, 2023, Fellerman & Ciarimboli Law P.C. acquired the Law Offices of Grieco & Petty, LLC.
Personal Injury Protection Insurance

Personal Injury Protection Insurance

Persons who drive in the state of Pennsylvania, and sixteen other states, are required by state law to have PIP insurance (Personal Injury Protection) included in their vehicle insurance coverage. The primary reason that states have a PIP requirement is two-fold. This type of insurance assures that everyone in an accident will receive medical attention without delay. Secondly, it makes auto insurance in that state “no-fault,” meaning that each person’s insurance company pays for their own injury-related medical expenses. PIP covers claims by passengers, lost wages, and in the case of a fatality, funeral expenses.

Being a no-fault auto insurance state puts limits upon the legal pursuit of damages. PIP takes collections away from the tort system to limit litigation and to reduce the caseload that courts must handle. If there is property damage from an accident, the plaintiff may pursue a civil lawsuit to collect for such damages.

Minimum Pennsylvania auto insurance PIP coverage amounts are:

  • $5,000 medical benefits
  • $15,000 per person/$30,000 per accident for bodily injury liability
  • $5,000 property damage.

The medical benefits are intended to cover medical bills for persons included under your insurance policy, no matter who was at fault. Bodily injury coverage is intended to pay for any medical or rehabilitation bills incurred by persons the insured party is liable for. Property damage does involve fault. It pays for damage to another person’s property, like their vehicle, when the damage occurs during an accident that the insured person was determined to be at fault for causing.

These are minimum coverage amounts. Certain insurers offer higher limits that are optional. In addition to monetary damages, becoming involved in an auto accident in the state of Pennsylvania may have severe legal ramifications and penalties.

If the Pennsylvania Department of Transportation discovers a person has operated a vehicle without PIP and other required coverage, their driver’s license, car license plate and registration sticker could be suspended. If they are suspended, all must be turned into PennDOT until the time period is up. No one else may drive your vehicle. All fees and proof of insurance must be shown to PennDOT before the vehicle registration and the person’s driver’s license would be returned. If a person is ticketed for a moving violation without insurance, they are subject to a $300 fine, the above suspensions and restoration fees, and vehicle impoundment.

PIP auto insurance coverage takes care of medical expenses and lost wages. It is mandatory in states like Pennsylvania that are no-fault vehicle insurance states. Four other types of insurance are recommended in this state:

  • Under-insured Motorist Coverage
  • Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage

Supplementary coverage for rentals, towing and gap payments are optional, but helpful to have in addition to the above coverage types.

Pennsylvania vehicle insurance rates are high. Under the concept of no-fault, as covered by PIP insurance, the person who is involved in an accident should see no insurance premium increases following any claims.

In addition to Pennsylvania, states that require no-fault auto insurance coverage are Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. As well as Texas and Washington, unless a waiver is signed at initial purchase of the policy.

  • $795 Thousand Car Accident

    confidential settlement in a crash.

  • $1.3 Million Car Accident

    A settlement was obtained in this uninsured motorist case on behalf of a 21-year-old man who was ejected from an SUV and subsequently died. The driver of the SUV had been cut off by another vehicle. The settlement was obtained from Mr. Sperlazzo’s uninsured motorist carrier.

  • $1.1 Million Car Accident

    The verdict was obtained for Mr. Smith against the defendant who was high on heroin at the time of the crash. This verdict was the Number #1 Motor Vehicle Collision verdict in Luzerne County in 2012.

  • $900 Thousand Car Accident

    Our client was struck by a vehicle that was racing.

  • $750 Thousand Car Accident

    Our client sustained a significant injury, including, post-traumatic stress disorder.

  • $275 Thousand Car Accident

    The settlement was on an insurance policy of $15,000. The settlement was both for compensatory and bad faith damages.

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    I have a friend who sought help from Fellerman & Ciarimboli and said they were very nice and helpful. So when I needed assistance, they were the first ones I thought of, and gave them a call. I was connected to Attorney Molly Clark, who made a significant impact. Her comforting personality created a welcoming environment during our interactions, turning what could have been a somber experience into one filled with positivity. Our upbeat conversations, in contrast to the challenging situation, improved my well-being.

    What truly won me over was Molly's commitment to keeping me informed about the progress of my situation. Whenever I called her with questions, she promptly provided answers, ensuring I had the information I needed when I needed it. Working with Fellerman & Ciarimboli was a positive experience given the circumstances I was facing. I highly recommend Attorney Molly and the firm to anyone seeking reliable and compassionate assistance during challenging times.

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    Molly thank you for everything you’ve done for Terry and me. You went above and beyond. You are like family to us and will always love you!
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    I can't express how GREAT my first experience with an attorney has been! I'm not kidding when I say that both you and the entire firm are I think the best around. Once get things settled around here, I would like to make an appointment to come up to talk about some other issues, but I have been doing nothing, but singing the praises of you The entire organization to everyone that I speak with.
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    There are no adequate words to convey to you, Mike, and Ed how grateful our family is for all of your hard work in helping us through the most difficult time of our lives. Your commitment to justice is unlike anything we have ever witnessed. Our tragedy became your tragedy. The three of you have become part of our family.

    Harry, you explained everything necessary in terms which were comprehensible and helpful to us to better understand all that was presented. We are so grateful for that.

    The compassion shown to us by not only the three of you, but everyone to whom we encountered at Fellerman & Ciarimboli was off the charts and so sincere.

    We will grieve our profound loss for the rest of our lives, but all of you helped to make it a bit easier, and we thank you from the bottom of our hearts.

    God's Blessings to you and your family.

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    Molly, Thank you so much! I can't tell you how much you mean to me, throughout this process, you have always been there and helped me through. I am glad it all came to a good ending and that it is over. But, I will miss you and you will always be referred to anyone that ever asks me for an amazing lawyer! Keep fighting for the people who need you! You are amazing at what you do, you're professional and genuine! I wish you all the best in your career and am happy that I chose you to take my case. Your team is amazing, too!
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    “I was in a bad accident and I had my daughter in the car with me. I highly recommend this firm.”
    I was in a bad accident and I had my daughter in the car with me. I highly recommend this firm. My attorney Myer Messinger was very compassionate and offered empathy with helping me and my daughter with the mental agony we experienced after the accident. Mr Messinger is very professional and knowledgeable. We sat for hours for the mediation and he fought to get me the best settlement
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    “Highly Recommend!”
    Called Greg Fellerman for a legal issue. He immediately took my call and helped me resolve the issue. Big thanks!
    - Brandon Z.

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