Legal Question in Personal Injury in Pennsylvania

First, the insurance company absolutely will take all of her previous lawsuits and claims into account. They keep a data base of all prior claims, and when someone has many claims, they usually refuse to pay and make that person go to court. Also, you should tell your insurance company about the verbal harassment and prior claims. In court, her accident history will almost certainly come out. Unless she suffered fractures and/or in-patient hospitalizations, the case will probably go to arbitration.

These are questions that you should address to the ins adjuster or lawyer provided you. don't try to second guess the lawyer. It is in the interest of the ins co. to pay as little as possible including,where appropriate, nothing. Ignore your neighbors behavior and don't discuss the matter with her. Make sure that you report the potential claim to your carrier, if you have not already done so.