If you have been hurt at work, you need to know your rights. Worker's compensation laws were created to help protect injured workers but the rules can be very confusing. Don't try going it alone. Get the help you need by calling a lawyer who knows what to do.
"But I have full coverage...." So many people think having "full coverage" means that their auto insurance will protect them in all circumstances. Not so. "Full coverage" basically means that in addition to liability protection (it pays when you cause harm or damage to someone else or their property) that you also have "collision" and "comprehensive" protection. These two options will pay to damage to your vehicle but have nothing to do with an injury to you or your family or passengers.
To really have "full coverage" you need to be sure that you have Uninsured Motorist (UM) and Underinsured Motorist (UIM) benefits on your policy. These coverages pay you if you are injured by another driver who either has no insurance or does not have enough insurance coverage to fully compensate you for your injuries.
Years ago these two options (UM and UIM) were mandatory but now people can reject these very important benefits. Don't let that happen to you. Check your policy (look at the Declaration Page that comes with each policy and renewal) to be sure these are listed. If not, contact your agent before it is too late.
Injured on the job? In Pennsylvania, it is important that you report an injury to the employer as soon as possible. Failure to do so can jeopardize your rights. If an injury is not reported within 120 days, you can be denied workers' compensation benefits.
For example. An employee gets hurt on a Friday and fails to report it. Then over the weekend the injury gets worse and the employee is in too much pain to show up for work on Monday. So the employee calls in and then tells the employer he or she cannot work because of an injury that was not reported. Now, the employer will probably be suspicious - what happened over the weekend? - and will most likely deny the claim. If the injury was reported timely on Friday when it happened, the employer would not have an easy excuse for denying benefits.
PA law requires purchase of at least $5,000 of medical expense benefits. This is the first source of payment for medical bills if you are injured in an accident regardless of who was at fault. Insurance companies usually offer up to $100,000 of medical benefits but in my experience many people buy only the minimum amount - so why not, it's cheaper. Not necessarily.
Unfortunately, if you are taken by life flight to a trauma center, that $5,000 of coverage will likely be exhausted in that instance alone. Insurance agents may try to save you money by saying you health insurance will cover the rest. This may or may not be true depending on your health plan. Most plans have deductibles and co-pays whereas auto insurance medical coverage does not. As a result you could be responsible for thousands of dollars in medical bills. Or if you lose your job because of injuries you will also lose your health insurance even if you may still need more treatment, perhaps even surgery. Auto insurance medical benefits continue to pay whether or not you are employed and there are no deductibles or co-pays..
if you have an HMO plan or employee health and welfare plan, the money paid for you treatment may be subject to reimbursement if you recover a settlement from the driver who was at fault for the crash. This reimbursement is not allowed when your bills are paid by your auto insurance or traditional insurance (such as a regular Blue Cross plan).
Talk to your agent about the price if additional medical coverage on your policy- the price you pay may be well worth it.
Distracted driving is a real danger. Put down your cell phone- driving is not something you do while typing a message then reading a message then typing etc etc. When you are looking at your phone you are not watching the road.