Last Wednesday at around 3:15pm, a brother and sister were hospitalized after they were struck by a pickup truck in Northeast Philadelphia. The 10 year old girl and her 7 year old brother were crossing Academy Road at the intersection Byberry Road. The pickup truck driver was traveling on Byberry Road, attempting to make a turn onto Academy Road. The 20 year old driver had a green light, but apparently did not see the children. According to the Philadelphia police, she did not appear to be under the influence of alcohol or narcotics. Witnesses said that the kids flew several feet in the air after being struck. The kids were rushed to a local hospital in critical condition and then transferred to St. Christopher's Hospital for Children for additional treatment.*
This is a parent's worst nightmare. Parents whose kids are injured in PA car accidents are understandably worried about their children's recovery. In addition, they may also worry about their children's medical expenses and how they will pay for them.
If parents have an insured car, their injured children's medical expenses are covered by their car insurance policy. This may not sound right, but it is indeed the case. Pennsylvania car accident law requires an insured driver's car insurance policy to pay for medical expenses resulting from a car accident, and this includes when the insured driver is injured as a pedestrian. A child of an insured driver is covered by the insured driver's car insurance policy. Therefore, the insured parent driver's car insurance policy pays for the child's medical expenses up to the limit purchased.
The minimum medical benefits or PIP benefits a driver is required to carry is $5,000. The insured may choose a higher limit in exchange for a lower premium.
If injuries are serious, the mandatory minimum PIP coverage can be exhausted quickly. After PIP benefits are exhausted, the next level of coverage is the individual's health insurance policy. For children, they are covered under their parents' private insurance policies.
If children are seriously injured after getting hit by a car, they may need extensive medical treatment. Further, they may suffer significant pain and suffering if surgery is needed. In such cases, children have legal rights against the driver who hit them and may be financially compensated in a PA car accident lawsuit.
If your child was hit by a car and you want to inquire about your child's legal rights, call the car accident lawyers at White and Williams. Daniel J. O'Brien has helped numerous car accident victims in Pennsylvania. 877.944.8396
*Source: www.philadelphia.cbslocal.com (Young Siblings Struck By Pickup Truck In Parkwood)