If I am in an auto accident, how do I know if I need an attorney?
After an auto accident in Philadelphia or a nearby area, consulting a Philadelphia car accident attorney is always a good idea if for no other reason than to make sure the insurance companies involved give you the compensation you deserve. Because insurance companies do not have your best interests in mind, an auto accident attorney can help you deal with all the medical bills, property damage, and other damage that may have resulted from the accident, as well obtaining compensation for your injuries. Before signing any documents, or before giving a recorded statement to an insurance company, you should absolutely speak to an attorney qualified in the field of personal injury law. The insurance company is not entitled to get your medical records. The insurance company is not entitled to know your version of the events. And the insurance company may try to have you sign a release which would give up all of your rights to proceed with a case. This is not something that you would want to happen, thus the reason to consult with an attorney.
Will my car accident case go to trial or settle?
What is my car accident case worth?
In Pennsylvania, your car accident case is worth a certain amount of money depending on what your injuries are. The characteristics that come into play when evaluating your personal injury case, in particular a car accident case, are:
- What are your injuries? And how serious are they?
- How much wage lost have you had? How much time did you miss from work and what did that cost you and your family?
- What are your medical bills?
- What are your future medical bills?
- Will there be lost earnings into the future as a result of your injuries?
- What’s the degree of pain and suffering you experienced as a result of your injuries?
All of these factors come into play. These factors are evaluated by the opposing insurance companies and the jury. While there’s no definite number for how much your case is worth, these factors come into play when determining what your personal injury case is worth.
In a rear-end collision, is the driver in the rear always at-fault?
There is usually no question about liability in a rear end collision. But we have seen on many occasions where the at fault driver’s insurance company will claim the driver of the car in front “stopped short” , or will try to avoid responsibility for the accident in some other way. The insurance company is not on your side, and their “job” is to protect their insured and to delay payment to you, deny responsibility, and defend a lawsuit filed against their insured. So, even in what seems like the simplest of cases, insurance companies can make resolving your case difficult.
Should I obtain a copy of the police report following my car accident? How should I go about doing that?
How do I get a police report and what do I do with it?
Obtaining a copy of your car accident police report is important if you plan to pursue a personal injury case. You’ll need the police report for your car accident attorney and your insurance company. This report contains facts that will ultimately help to resolve your claim with the opposing insurance company.
Does it actually help if I take photos of the car accident scene?
How Can I Reduce My Car Insurance Premium?
In order to reduce your car insurance premium, consider paying a higher deductible on the collision coverage portion of your policy. Increasing your deductible from $500 to, for example, $1000 would reduce your premium.
How Can I Get a Discount on My Car Insurance?
Some car insurance companies offer discounts for degrees, such as a master’s degree in education. Others may offer a discount simply for being a longtime customer, or for being a good driver. Get in touch with your car insurance provider to see what kinds of discounts they offer.
Is it a Good Idea to Have My Auto and Homeowners’ Insurance with the Same Carrier?
Yes, most insurance carriers will offer a discount by grouping the two coverages together.
What is One of the Easiest Ways to Save on Car Insurance?
There is one surefire way to save on car insurance. If you own a car that is expensive to insure, trade it in.
What does “Full Tort” Mean? What does “Limited Tort” Mean?
This applies in car accident cases. Full tort coverage means that you and your family members have unlimited access to the court system to seek compensation for personal injuries from a car wreck. Limited tort means that for a lower premium, usually about $100-$200 less per year, you and your family members have very limited access to the court system if you are claiming compensation for personal injuries following a car wreck. In real terms, if a person who has purchased limited tort coverage does not have debilitating and disabling injuries, for instance, broken bones requiring surgical repair, herniated disks in the spine requiring surgical repair, then they have no claim. There are very few exceptions to limited tort. Full tort coverage is not limiting at all. Full tort coverage is far and away the better coverage and should be the only choice when purchasing auto insurance in Pennsylvania.
If a Friend Borrows My Car and is Involved in an Accident in Pennsylvania, Does My Insurance Company Pay for any Damages?
Yes, unless your friend had his own insurance coverage, in which case his/her insurance coverage will be used. Also, your insurance company will not pay for any damages unless your friend had your permission to use your car.