Philadelphia Auto Accident Attorney
According to PennDOT’s 2013 Pennsylvania Crash Facts and Statistics book, there were 124,149 reportable traffic crashes in PA last year, averaging 1 death in every 7 minutes. Car accidents happen everyday and can be extremely traumatic experiences. Serious injuries can have devastating and sometimes life changing repercussions, such as expensive medical bills, loss of wages if you are unable to work, or may even result in long term care. In addition to the physical pain and financial setbacks, car accident victims can face various insurance problems that may cause additional emotional stress.
Depending on your insurance policy, or the insurance coverage of the other party involved, you may face difficult decisions. Car accidents are often surrounded by complicated laws, that should be handled by a skilled attorney who understands them. In some cases, individuals are directly contacted by the insurance company of the other party involved in their accident. We highly discourage accepting a settlement agreement from an auto insurance company before speaking to us. Auto insurance adjusters are trained to give you minimal compensation, so that the company can have maximum profits. They may try to deter you from filing a lawsuit, even if you have a valid case.
Like all states, Pennsylvania has a time limit on when you can file a lawsuit following an accident. The statue of limitations on seeking compensation following a car accident is two years in PA, so it is important that you do not hesitate to contact an attorney if you have been in an accident. The Lawyers at Reiff & Bily can help if you have suffered serious injuries following a car accident. Not only do we understand the complex laws, but we understand the financial, physical, and emotional problems that follow an accident, and strive to increase the likelihood that you will get the compensation you deserve.
WHY DOESN’T MY INSURANCE PAY FOR ALL THE DAMAGES AND BILLS
Under Pennsylvania’s no-fault system, your policy is supposed to pay for your injuries regardless of who caused the accident. Unfortunately, you may not have as much coverage as you believe or you may be injured by someone who does not have enough insurance to cover the accident. Pennsylvania requires that you carry three types of insurance:
- Personal Injury Insurance (PIP)— PIP covers medical benefits for you and others included in your policy, regardless of who is at fault for the accident. Each Pennsylvania driver must carry a minimum of $5,000 of PIP coverage.
- Bodily Injury Liability— This covers the medical and rehabilitation expenses of anyone injured in an accident, that the court deems as your fault. The minimum limit is $15,000 per person in the accident or $30,000 per accident, which includes all persons injured.
- Property Damage Liability— This covers the cost of repairing or replacing property that you damaged in an accident, that you were found liable. The PA minimum is $5,000.
HOW DOES MY INSURANCE AFFECT ME AFTER AN ACCIDENT?
What’s Unique About Pennsylvania’s No-Fault Coverage?
When you purchase car insurance in Pennsylvania your agent will ask you if you want full or limited tort insurance. You should fully understand what type of insurance coverage you have, because it determines what kinds of compensation you are eligible for if you are in an accident.
- Limited Tort— An insurance option that limits your rights to sue for injuries and damages after a car accident. With limited tort insurance you can seek compensation for medical and out-of-pocket expenses, but not for pain and suffering or other damages. If the accident has resulted in a “serious injury”, as defined in your policy, such as permanent impairment, you may be entitled to additional compensation.
- Full Tort — An insurance option that maintains your full right to sue for all injuries and damages after a car accident. With full tort insurance you can seek compensation for medical and out-of-pocket expenses, pain and suffering, and other damages.
The Difference Between Full Tort & Full Coverage
Full Coverage insurance is not the same as Full Tort insurance. In order to be fully covered for a car accident in Pennsylvania, you need to have two additional types of coverage:
- Uninsured Motorist Coverage (UM)— Insurance that covers you in the event that your accident was caused by someone who does not have any insurance.
- Underinsured Motorist Coverage (UIM)— Insurance that covers you in that event that your accident was caused by someone who does not have enough insurance to cover injuries and damages.
Call An Attorney Who Fights For You
Being involved in a serious car accident is an emotionally wrenching experience, that few people truly understand. The lawyers at Reiff & Bily are car accident lawyers who have over 90 collective years of experience helping clients similar to you. We care about the losses experiences by our clients and their families, and fight hard on their behalf. We not only strive to compensate losses, but to put our clients and their families at ease during this difficult time.
We have represented many different types of automobile accidents, including motorcycle, bus, car, passenger van, and commercial vehicle accidents, recovering millions of dollars in damages for our clients. In one car accident case our attorneys were able to recover over $10 million dollars.
Even if you just want to be prepared with the right insurance, the lawyers at Reiff & Bily can help you chose the right automobile coverage for you. There is no better way to minimize the stress caused by an accident than to be properly covered before one even happens.
If you or someone you love has been seriously injured in an accident, call Reiff & Bily at 1-800-861-6708 or contact us online, for your free consultation.
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