Pennsylvania law outlines the order of priority for first-party benefits recovery after a motor vehicle injury, specifying which insurance policies apply first. It also details who is ineligible to claim benefits, such as unregistered vehicle owners or operators of certain recreational vehicles. The law ensures clarity in benefit distribution and sets procedures for multiple insurers involved.
The insured person’s own policy on which they are the named insured has the first priority, followed by other applicable policies based on the relationship to the vehicle and occupants.
No, owners of currently registered vehicles without financial responsibility are ineligible to recover first-party benefits under Pennsylvania law.
No, operators or occupants of recreational vehicles not intended for highway use are not eligible to recover first-party benefits.
The insurer first paying the claim processes it as fully responsible and can recover contributions proportionally from other insurers involved.