Legal Question in Insurance Law in Pennsylvania

Re: Hit and run

I sorry to hear about the injury to your son, I hope his recovery is coming along.I beg to differ with my collegues. Because your son was on a motorcycle, he is specifically excluded under the Pennsylvania Motor Vehicle Financial Responsibility Act for first party benefits (i.e. medical payments) therefore, your health insurance is primary and is required to pay the medical expenses in accordance with the contract with you. If they continue to give you problems give me a call or send me an e-mail. Also, additional benefits may be available to your son.

Re: Hit and run

I agree with the reply you received from Mr. Douglas. The dirt bike is considered like a motorcycle & therefore your auto insurance will probably not pay for the medical bills. As a practical matter, you can make the claim to your auto ins co, obtain a written denial, & submit a copy of the denial to your health ins co. This shouldn't take too much time. In fact, you can tell the auto ins co what you're doing & why.

Re: Hit and run

Yes. You need to submit this to the MVA insurance because this is a motor vehicle accident, and under PA law, that coverage is primary.

If you have further questions, please call me at 215-840-6573.

Re: Hit and run

you need to get a denial and then submit it to health. You also have a claim (potentially) for your son under your own auto coverage (a um claim) It will not raise your rates. However, the policy language must be looked at carefully