About Us

     The Pennsylvania Financial Responsibility Assigned Claims Plan (PFRACP) is a fund set up to provide limited first party and certain additional benefits to residents of the Commonwealth who have been injured in motor vehicles accidents occurring in Pennsylvania. The PFRACP pays benefits up to set statutory limits to certain eligible claimants who meet the requirements enumerated in Title 75 Pa. C.S. Sec. 1751-1758. All funding for the PFRACP comes directly from motor vehicle insurers operating within Pennsylvania. A governing committee of insurers manages the operations of the FRACP. The complete governing statute can be found here.

Title 75, Chapter 17, Subchapter E
ASSIGNED CLAIMS PLAN

Sec. 1751. Organization.

Insurers providing financial responsibility as required by law shall organize and maintain, subject to the approval and regulation of the Insurance Department, an Assigned Claims Plan and adopt rules for the operation and for the assessment of costs on a fair and equitable basis.

1752. Eligible claimants.

(a)  General rule.–A person is eligible to recover benefits from the Assigned Claims Plan if the person meets the following requirements:

  1. Is a resident of this Commonwealth.
  2. Is injured as the result of a motor vehicle accident occurring in this Commonwealth.
  3. Is not an owner of a motor vehicle required to be registered under Chapter 13 (relating to registration of vehicles).
  4. Is not the operator or occupant of a motor vehicle owned by the Federal Government or any of its agencies, departments or authorities.
  5. Is not the operator or occupant of a motor vehicle owned by a self-insurer or by an individual or entity who or which is immune from liability for, or is not required to provide, benefits or uninsured and underinsured motorist coverage.
  6. Is otherwise not entitled to receive any first party benefits under section 1711 (relating to required benefits) or 1712 (relating to availability of benefits) applicable to the injury arising from the accident.
  7. Is not the operator or occupant of a recreational vehicle not intended for highway use, motorcycle, motor-driven cycle or motorized pedalcycle or other like type vehicle required to be registered under this title and involved in the accident.

(b)  Grounds for ineligibility.–A person otherwise qualifying as an eligible claimant under subsection (a) shall nevertheless be ineligible to recover benefits from the Assigned Claims Plan if that person contributed to his own injury in any of the following ways:

  1. While intentionally injuring himself or another or attempting to intentionally injure himself or another.
  2. While committing a felony.
  3. While seeking to elude lawful apprehension or arrest by a law enforcement official.
  4. While knowingly converting a motor vehicle.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984)

Sec. 1753. Benefits available.

An eligible claimant may recover medical benefits, as described in section 1712(1) (relating to availability of benefits), up to a maximum of $5,000. No income loss benefit or accidental death benefit shall be payable under this subchapter.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990)

Cross References.  Section 1753 is referred to in sections 1754, 1755, 1757 of this title.

Sec. 1754. Additional Coverage.

An eligible claimant who has no other source of applicable uninsured motorist coverage and is otherwise entitled to recover in an action in tort against a party who has failed to comply with this chapter may recover for losses or damages suffered as a result of the injury up to $15,000 subject to an aggregate limit for all claims arising out of any one motor vehicle accident of $30,000. If a claimant recovers medical benefits under section 1753 (relating to benefits available), the amount of medical benefits recovered or recoverable up to $5,000 shall be set off against any amounts recoverable in this section.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984)

Sec. 1755. Coordination of benefits.

(a)  Workers’ compensation.–All benefits (less reasonably incurred collection costs) that an eligible claimant receives or is entitled to receive from workers’ compensation and from any other like source under local, state or Federal law shall be subtracted from any benefits available in section 1753 (relating to benefits available) unless the law authorizing or providing for those benefits makes them excess or secondary to the benefits in accordance with this subchapter.

(b)  Accident and health benefits.–All benefits an eligible claimant receives or is entitled to receive as a result of injury from any available source of accident and health benefits shall be subtracted from those benefits available in section 1753.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984)

Sec. 1756. Subrogation.

The Assigned Claims Plan or its assignee is entitled to recover, in accordance with the tort liability law of this Commonwealth, reimbursement for benefits or coverages paid, loss adjustment costs and any other sums paid to an eligible claimant under this subchapter.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984)

Sec. 1757. Statute of limitations.

(a)  General rule.–An action by an eligible claimant to recover benefits or coverages from the Assigned Claims Plan shall be commenced within four years from the date of the accident.

(b)  Minors.–For minors entitled to benefits described in section 1753 (relating to benefits available) or 1754 (relating to additional coverage), an action to recover these benefits or coverages shall be commenced within four years from the date on which the injured minor attains 18 years of age.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984)

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Complete Your Application

     After you have downloaded the application, please complete it in full, sign and date it and return to the PFRACP by mail, email or fax (please see the application for details on where to mail, email or fax.) 

     Please complete, sign and return the HIPAA form so we may obtain all your medical bills and reports in connection with your accident.

     Lastly, if you are being represented by an attorney, please have your attorney’s firm complete and return the W-9 form.