Legal Question in Personal Injury in Pennsylvania

You immediately consult a lawyer to determine if a claim or lawsuit against your own insurance compoany would be appropriate. The insurance company's decision obvioulsy depends on the facts of the case, as determined by the police report, if any, the statements of the participants and any witnesses, and the nature of the damages incurred to the vehicles. If the insurance company is in possession of actual facts that indicate that the accident was the other person's fault, the insurance company might be guilty of bad faith, which would require the company to pay your attorneys' fees as well as punitive damages.

The best thing to do is immediately consult a lawyer knowledgeable in insurance matters.