SCHOOL VEHICLE ACCIDENT PROCEDURE
FOR PROCESSING MEDICAL BILLS
All owners of motor vehicles in the
are required by law to purchase and maintain automobile insurance.
The laws relating to automobile insurance coverage are complied in
commonly referred to as the “PA No Fault Law”.
First party benefits are a mandatory coverage. This is a basic no-fault
type of medical insurance for your own medical bills. The minimum
required by law is $5,000. Regardless of who is at fault for the accident,
the medical bills will be paid through your First Party benefits coverage.
Using this coverage will not affect your rates or premiums in any way.
First Student has own auto policy and is a named insured
under that policy.
Second Student is covered under parent’s policy, whether or not
old enough to drive, as a “resident relative”. If there
should be a case when you as the parent or guardian do
not have auto insurance, the laws states that any resident
relative in the household who carries auto insurance
would file the medical bills. If the medical bills go above
the policy limit- they will have to be submitted to student’s health
insurance. There is no recourse beyond this step.
Third The Owner of the Vehicle the student occupied at the time
of the accident.
not seek additional first party benefits from other policies at lower levels.
In summary, if someone in the household has auto insurance please contact your