Why Would A Lawyer Ask For Declaration Page Form Driver For Not At Fault Car Accident?

Why Would a Lawyer Ask For a Declaration Page From the Other Driver For Not at Fault? 

If you are involved in an accident and you or someone else is found to be not at fault, you may want to get a statement from the other driver. The state of Pennsylvania requires that all drivers purchase Personal Injury Protection coverage. In many cases, this coverage pays for the medical bills and other expenses of the accident victim. In some cases, a driver is exempt from no-fault benefits, but this is not always the case.
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Getting a declaration from a driver for not at fault 

If you’re looking for proof of insurance, you’ll need to get a copy of a driver’s declaration page. This document gives key information about a driver’s coverage, including the limits and the terms of the policy. Liability coverage pays out for injuries to one or more people in an accident, while property damage coverage pays out for damage done to other people’s property. 

Excluded drivers cannot get no-fault benefits 

No-fault benefits are available to the insured driver if they are involved in a car accident, but they cannot claim no-fault benefits if they were the excluded driver. The policy’s “excluded drivers” provision is a way for insurance companies to avoid covering drivers who have a high-risk rating. Those drivers are listed on the declaration page of the policy. To avoid this, it’s wise to remove excluded drivers from your policy and make sure the vehicle is locked before you go out to drive. 

If you are an excluded driver, you cannot claim no-fault benefits for yourself or anyone else in your household. This includes the motor vehicle of a household member. However, if the car was insured by a person from your household, you can file a claim. As long as the insured driver has insurance, you can drive the car. However, it’s not a good idea for you to drive an excluded vehicle without insurance, as you could be held responsible for damages caused by the crash. 

Claims involving excluded drivers 

In the case of an auto accident, a named driver can be excluded from the No-Fault benefits. An excluded driver cannot be a covered driver under an insurance policy. If they are excluded, the insurance company will not cover their claim, even if they are at fault for the accident. However, if they are a named driver, they can file a claim with their household family member’s auto insurance company. 

 

Why Would A Lawyer Ask For Declaration Page Form Driver For Not At Fault Car Accident? | Montag Law