Car accidents are traumatic in many ways. Not only are they emotionally draining and physically debilitating, they are mentally stressful because of the financial and insurance-related issues they generate. This is especially so in Pennsylvania, which is one of twelve states governed by a no-fault system, and one of three states with a choice-no-fault program. The Philadelphia car accident lawyers at Reiff and Bily can drastically minimize the amount of stress you experience following a car accident by clearly explaining the scope and limitations of your auto insurance policy.
Under Pennsylvania’s no-fault system, a driver is compensated for injuries through his or her own insurance policy, regardless of who caused the accident. Medical benefits in Pennsylvania are covered by what is called PIP, or Personal Injury Insurance. PIP covers the medical benefits for you and others included in your policy, regardless of fault. Each Pennsylvania driver must carry a minimum of $5,000 of PIP coverage.
Pennsylvania drivers must also have two other types of coverage: bodily injury liability and property damage liability. Bodily injury liability pays for the medical and rehabilitation expenses of anyone you injure in a car accident for which you are found liable. The minimum limit is $15,000 per person/$30,000 per accident; the $15,000 pays for injuries to one person, while the $30,000 is the total available to all claimants for one accident. Property damage liability covers the cost of repairing or replacing property damages that you caused in an accident for which you are found liable. The minimum limit is $5000 of coverage.
Under Pennsylvania’s choice-no-fault system, drivers can choose between two insurance options: full tort or limited tort. “Tort” is a legal term meaning civil wrongdoing, and the choice of tort determines your rights to sue for damages following an accident. With full tort, you can sue in court for all damages. With limited tort, you are able to recover all out-of-pocket medical and other expenses, but you cannot recover damages for “pain and suffering” – unless the accident has resulted in “death, serious impairment of bodily function, or permanent serious disfigurement.”
Unfortunately, many drivers believe that “full coverage” means “full tort” – which it does not – and are surprised to discover after an accident that their coverage is not as extensive as they thought. In truth, to be fully covered for a car accident in Pennsylvania, you need to have purchased two types of optional coverage in addition to mandatory coverage: uninsured motorist (UM) coverage, and underinsured motorist (UIM) coverage. But, even if you do not have full coverage, the car accident lawyers at Reiff and Bily can help you attain the best levels of compensation possible following an accident. We have done so for tens of thousands of drivers in the last two and a half decades.
Similarly, many drivers are disappointed when they discover that limited tort prevents them from suing for pain and suffering. Indeed, very few lawyers are capable of recovering compensation in such cases. But the lawyers at Reiff and Bily have demonstrated repeatedly that they can do so. They have attained significant compensation for injured parties with limited tort insurance plans.
Regardless of whether one has full tort or limited tort auto insurance, proving fault is critically important for any accident. It requires painstaking investigation of facts and evidence, careful studying of investigative reports, and exploration of every possible factor that could have contributed to the accident—such as unsafe road conditions, inadequate warning signs, or defective traffic safety devices. The car and truck accident lawyers at Reiff and Bily have been handling car, truck, and drunk driving accidents for decades, and have recovered enormous amounts for victims of negligent driving.
Being involved in a serious car accident is an emotionally wrenching experience. Few people truly understand the psychological impact accidents have on victims and their families. The lawyers at Reiff and Bily, though, are a rare breed of car accident lawyers. They truly care about the losses experienced by victims and their families. And, accordingly, they fight hard on behalf of their clients to attain compensation for pain and suffering, lost wages, permanent disabilities, loss of enjoyment, and other associated expenses—as well as medical expenses. The Philadelphia car accident lawyers at Reiff and Bily have received the highest acclaim both nationally and in the state of Pennsylvania from their peers and thousands of satisfied clients.
If you or someone you love has been seriously injured in an accident, call Reiff and Bily at 800-421-9595, or contact us online. And, please, do not accept a settlement agreement from an auto insurance company before speaking to us. Auto insurance companies are trained to give you minimal compensation.
The reality is that most people do not even know what kind of insurance they have until after an accident has occurred. So, be smart. If you have not been involved in an accident and want to be prepared in case one should happen, ask the lawyers at Reiff and Billy for help in choosing the right automobile insurance. Indeed, there is no better way to minimize the stress caused by an accident than to be properly covered before one happens.
- 15-Passenger Van Accidents
- Air Bag Injuries
- Exploding Gas Tank Injuries
- Hit and Run Accidents
- Occupant Ejection Accidents
- Roof Crush Accidents
- Seat Back Failures
- SUV and Van Rollovers
- Seat Belt Defects
- Child Car Seats
- Tire Defects/Failure
- Distracted Driving
- Underinsured Accidents
Car Accident Case Results
- Substantial Confidential Wrongful Death Settlement: Teenager is killed in hit and run crash. Driver is later apprehended and charged with vehicular homicide.
- Confidential Settlement Civil Rights Action: Police car involved in a chase hits innocent bystander and kills her.
- Confidential Wrongful Death Settlement: Errant motor vehicle strikes and kills jogger (a retired teacher) who dies.
- Confidential Motor Vehicle Injury Settlement: In Delaware County, plaintiff sustained physical scarring, fracture at the base of the left fifth metacarpal, traumatic arthrotomy of bilateral knees, and disfigurement.
- Confidential Settlement: 15 passenger van rollover. Multiple deaths and multiple catastrophic injuries of passengers.
- Confidential Settlement: For automobile explosion involving injury and burns.
- Confidential Settlement: Motor vehicle accident. Shoulder separation injury.
- Confidential Settlement: SUV rollover resulting in catastrophic injuries.
- $1,675,000 Million Dollar Result: Intersectional car accident resulting in dental fractures, pneumothorax injury, rib fractures, rotator cuff injuries, and closed head injury. As a side note, another lawyer assigned a maximum value of $200,000, which is exactly 1,475,000 less than Reiff & Bily attorneys were able to secure for our client. With over three decades of experience and working with our finest team investigators and experts, we were successfully able to maximize the value of this claim.
- $750,000 Motor Vehicle Accident Settlement: A husband and wife suffered serious injuries, including carpal tunnel syndrome (release), bulging discs, and cervical lumbar strain after their vehicle was rear-ended during a traffic accident.
- $750,000 Motor Auto Collision Result: Client sustained mild neuropsychological injuries and a herniated disc during auto crash.
- $500,000 Auto Crash Recovery: Plaintiff was seriously injured after another motor vehicle forced him off the road and into an embankment.
- $450,000 Auto Accident Result: Teenager was hurt while riding in a friend’s motor vehicle. The driver was speeding and lost control of the vehicle before striking a pole.
- Substantial Confidential Bicycle/Bus Accident Settlement: In Lehigh County, a teenager riding a bicycle died when she lost her balance and fell underneath a bus’s wheels.
- $446,627 Jury Verdict: The driver of a public transportation bus had improperly fastened the wheelchair of the plaintiff, who was suffering from multiple sclerosis. When the bus stopped abruptly, the wheelchair came loose, smashed into a supporting pole and bus bench seat, and caused the plaintiff’s leg to twist and fracture.
- $410,000 Car Accident Recovery: Teenager sustained soft tissue injuries during a motor vehicle collision while riding in his friend’s car.
- $400,000 Policy Limits Result: Unbelted passenger in vehicle rollover on country road with severe arm injury.
- $400,000 Award: Front seat passenger broke arm in vehicle struck by another vehicle making left turn and failing to yield right-of-way. Confidential settlement – child run over by defective trailer on Halloween hay ride. Mother also recovered for emotional distress after observing trailer incident.
- $325,000 Auto Crash Result: Motor vehicle accident that occurred at an intersection left client with post-concussion syndrome.
- $300,000 Recovery: A 45 year old woman sustained an aggravation of a pre-existing herniated disk when another vehicle made a sudden left hand turn in front of her vehicle to enter a parking lot.
- $300,000 Auto Collision Result: Client sustained knee injury in a motor vehicle crash at a T-bone intersection.
- $300,000 Result: An elderly woman on a charter bus tour got hurt while leaving a restaurant.
- $250,000 Automobile Collision: Shoulder injury.
- $250,000 (Maximum Policy Coverage): A pedestrian struck by a bus was seriously injured.
- $235,000 Result: A truck company employee suffered injuries during a multi-truck crash. Lien reduction from $175,000 to $42,500.
- $230,000 Result: Municipal bus strikes and injures pedestrian.
- $150,000 Car Accident Result: Elderly woman dislocates her shoulder.
- $125,000 Car Crash Result: Client sustains mild neurological and psychological dysfunction.
- $125,000 Pedestrian Injury Result: Airport courtesy bus strikes pedestrian.
- $125,000 Motor Vehicle Injury Result: Motor vehicle strikes pedestrian while making a left turn. Client sustains fractured metatarsals.
- $120,000 Motor Vehicle Accident Verdict: Plaintiff struck by trash truck that backed into her vehicle sustains multiple injuries, including a fractured ankle.
- $115,000 Result: Public bus passenger sustains knee injury after hitting a seat back during a bus accident involving another motor vehicle.
- $112,000 Result: Client sustains soft tissue injury during motor vehicle crash at intersection.
- 100,000 Policy Limits Auto Accident: Pedestrian struck by car pulling out of parking space.
- $100,000 Partial Settlement: Broken ankle in car accident. Also pursuing a secondary Dram Shop action against casino.
- $100,000 Result: Woman was thrown from airport cart while being transported at a fast speed through Philadelphia Airport.
- $100,000 Auto Crash Result: Client sustains mild neurological injuries.
- $100,000 Motor Vehicle Accident Result: School teacher fractures wrist during intersection accident.
- $80,000 Result: Pedestrian struck by car while crossing street at intersection.