If you suffer serious injuries in a motor vehicle accident, you may be unable to work. Your inability to work may be temporary involving just a few days or it may be permanent. Either way, unless you are independently wealthy, you will likely need to be promptly compensated for the wage loss you suffered in order to pay your bills and maintain your current lifestyle. The first thing you should do is to check your auto insurance policy to determine if you have wage loss coverage. If you do have wage loss coverage on your auto policy, you then need to verify how much coverage you have and submit an application for wage loss benefits to your auto insurer. Your auto insurer is then obligated to pay you wage loss benefits for the time you miss from work due to your accident-related injuries. However, you should be aware that most auto insurance policies do contain a “wait provision” which means that it has no obligation to pay any benefits to you until you are off work for some limited period of time, usually at least one week.
There are two things you should be aware of when it comes to wage loss claims arising out of motor vehicle accidents that occur in Pennsylvania. Intially, wage loss benefits are optional coverages on Pennsylvania auto insurance policies. Therefore, not all polices will provide wage loss benefits. Secondly, wage loss benefits are considered “no fault” benefits. Thus, it does not matter who caused the accident . . . if you have wage loss coverage on your auto policy you will be entitled to recover wage loss benefits regardless of who caused the accident.
If you do not have any wage loss benefits on your policy, your only source of recovery for your wage loss is against the party (and his auto insurance carrier) who caused the motor vehicle accident. However, if you caused the accident and you have no wage loss coverage on your auto insurance policy, you will have no source of recovery for your wage loss benefits (unless you have a private or employer-sponsored disability policy). Unfortunately, it may take years to resolve your claims against a negligent party (and his auto insurance carrier) who caused the accident. Therefore, it may be an extended time before you are able to receive any compensation for your wage loss if you do not have this coverage on your auto insurance policy. If you have wage loss coverage on your own auto insurance policy and you exhaust that coverage, you can potentially recover all wage loss you suffer in excess of you policy limits from the negligent party (and his auto insurance carrier) who caused the accident. However, as stated above, it will likely be an extended period of time before you receive any compensation regarding such a claim.
DLP represents seriously injured and catastrophically injured victims of auto accidents, bus accidents, SUV accidents, motorcycle accidents, truck accidents and tractor trailer accidents (including work accidents) throughout Northeastern Pennsylvania, including the Counties of Lackawanna, Luzerne, Monroe, Pike, Wayne, Wyoming, Sullivan, Montour, Lycoming, Schuylkill, Tioga, Bradford, Susquehanna, Northampton, Carbon and Columbia. These accidents often occur on the interstate corridors and state highways that run through Northeastern Pennsylvania, including I-81, I-80, I-380, I-84, I-180, SR 61, the Casey Highway, the I-80 Corridor and the Northeast Extension of the Pennsylvania Turnpike. Some of the representative municipalities in Northeastern Pennsylvania where these accidents occur include Scranton, Wilkes-Barre, Honesdale, Hazleton, Moosic, Dunmore, Old Forge, Williamsport, Tunkhannock, Towanda, Stroudsburg, Bethleham, Berwick, Bloomsburg, Pottsville, Kingston, Milford, Mansfield and Wellsboro. We at DLP represent serious and catastrophically injured victims of truck accidents, tractor trailer accidents, bus accidents, motorcycle accidents, automobile accidents and SUV accidents to get them the money and justice they deserve to compensate them for their injuries and damages. If you are involved in an accident anywhere in Northeastern Pennsylvania, call an attorney at DLP as soon as possible after the accident for a free, no-obligation consultation.
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