Getting into a car accident is stressful enough, but imagine being injured and realizing the at-fault driver doesn’t have insurance. That’s where Pennsylvania’s Assigned Claims Plan comes in. At The Hansen Agency LLC in Washington, PA, we frequently help our clients understand how this state-run program works and when it may be applicable.
Understanding Pennsylvania’s Assigned Claims Plan
What Is the Assigned Claims Plan?
The Assigned Claims Plan is a safety net created by the state of Pennsylvania for people who are injured in car accidents and don’t have access to insurance coverage. This could be because the other driver was uninsured or because the injured person wasn’t in a vehicle at all, like a pedestrian or cyclist. If you don’t have your own auto policy and no one in your household does either, this program may be your only option for basic medical benefits.
Who Qualifies?
Eligibility for the Assigned Claims Plan is specific. You must be a Pennsylvania resident, the accident must have occurred within the state, and you can’t have access to any other source of coverage. If you meet those requirements, you may be able to receive up to $5,000 in medical benefits under the plan. While it’s not a substitute for full insurance coverage, it can be a crucial lifeline during a difficult time.
Why You Shouldn’t Rely on It
While the Assigned Claims Plan is a helpful resource, it has strict limits and doesn’t cover things like property damage or lost wages. That’s why it’s important to carry your own auto insurance—so you’re not left vulnerable if something goes wrong.
At The Hansen Agency LLC in Washington, PA, we’re here to help you stay protected with the proper coverage. Contact us today to review your policy or explore your options.