Car Accident Medical Costs in Pennsylvania
Pennsylvania is a choice state. PIP insurance is not required. Minimum bodily injury limits are $15K / $30K.
Choice System in Pennsylvania
Pennsylvania is a choice state. Drivers can choose between no-fault coverage (with PIP and restricted lawsuit rights) and traditional tort coverage (with full ability to sue for pain and suffering). Your choice affects both your premiums and your legal options after a crash.
Your options in Pennsylvania:
If you chose No-Fault:
- PIP pays your medical bills first
- Lower premiums
- Restricted ability to sue for pain/suffering
If you chose Tort:
- Full ability to sue at-fault driver
- Can recover pain and suffering
- Higher premiums
Pennsylvania Auto Insurance Requirements
| Bodily Injury (per person) | $15,000 |
| Bodily Injury (per accident) | $30,000 |
| Property Damage | $5,000 |
| PIP Required? | No |
| UM/UIM Required? | No |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,280/year ($190/month) |
| Uninsured Motorist Rate | 7.6% (national avg: 15.4%) |
Note: Choice state — lowest BI minimums in nation (15/30). Drivers choose between limited tort and full tort.
After a Car Accident in Pennsylvania
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In Pennsylvania, you may file a MedPay claim with your own insurer (if you carry it), and file a BI claim against the at-fault driver's insurance.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
An attorney can help negotiate medical liens (often reducing them 30-50%), handle insurance negotiations, and ensure you receive full compensation. Average settlements are 4.4x higher with attorney representation.
Medical Procedure Costs in Pennsylvania
Medical costs in Pennsylvania are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in Pennsylvania.
View Pennsylvania Medical Procedure Costs →Pennsylvania Insurance Department
For official information about auto insurance requirements and consumer complaints in Pennsylvania:
Pennsylvania Insurance Dept.