If you own a car, it is highly probable that you are regularly paying your monthly car insurance premium. However, the specifics of your policy may not come into sharp focus or seem particularly significant until the moment when you require coverage following a car accident.
When dealing with car accident claims, having good car accident lawyers by your side is crucial. While most car accident claims revolve around the negotiation of a settlement with an insurance company, many accident victims remain unaware of the true value of their claims. Insurance companies, wielding an unfair advantage, often propose swift settlements that offer as little compensation as possible. However, comprehensively assessing the full extent of your injuries can be a time-consuming process, with some injuries only becoming apparent long after the initial accident.
In the event that you are injured in an accident, your personal injury attorney will have a well-defined plan to guide you through the recovery process. Above all else, it is imperative not to miss any scheduled doctor’s appointments. These appointments hold immense importance for your case, as they not only contribute to your overall well-being, but also ensure that you receive the appropriate treatments for your injuries. Always adhere to your doctor’s recommendations.
Why should you consider car insurance?
In Pennsylvania, it is important to think about car insurance for a few key reasons. First, you need to make sure your coverage meets the state’s legal requirements. Second, car insurance helps protect your money in case of accidents or car damage. Your personal situation matters too. Pennsylvania offers options like coverage for when the other driver does not have insurance or coverage for medical bills after an accident. If you are paying-off a car loan, gap insurance can help. You also should think about what you can afford. Lastly, if you have a special kind of car or use it for work, you might need different insurance. Remember to check with your lawyer once in a while to stay updated with Pennsylvania’s rules.
Types of car insurance:
Liability insurance: Often mandated in the majority of U.S. states, liability insurance serves as the fundamental form of car insurance. This essential coverage addresses the damages and losses incurred by the other party in the event of an accident for which you are at fault. It’s important to note that liability insurance does not extend coverage to your own damages and losses⎯only uninsured and underinsured coverage will do this.
Collision Insurance: This insurance is designed to protect your vehicle from damages resulting from collisions with other vehicles or objects. It is crucial to note that while collision insurance is not a legal requirement, it comes highly recommended, particularly for those who own new or valuable vehicles.
Comprehensive Insurance: Comprehensive insurance extends coverage for damages to your vehicle that do not result from collisions with other vehicles or objects. Moreover, it extends coverage to damages caused by theft, fire, vandalism, and natural disasters. Similar to collision insurance, comprehensive insurance is not mandated by law; however, it is strongly advised, especially for those who own new or high-value vehicles.
Personal Injury Protection: Individuals who operate vehicles in Pennsylvania, as well as in sixteen other states, must adhere to state laws mandating the inclusion of PIP insurance (Personal Injury Protection) within their vehicle insurance coverage. The rationale behind this PIP requirement serves a dual purpose. First, it ensures that all individuals involved in an accident promptly receive essential medical care without delay. Second, it institutes a “no-fault” system for auto insurance within the state, whereby each person’s insurance company is responsible for covering their own injury-related medical costs. PIP provides coverage for passengers’ claims, addresses lost wages, and, in the unfortunate event of a fatality, assists with funeral expenses.
Uninsured/Underinsured Insurance: This covers you for injuries sustained by you and/or the occupants of your vehicle when you are not at fault and the other party who caused the accident has no or little insurance.
Limited Tort vs. Unlimited Tort: Under no circumstances should you select limited tort coverage, because even though this type of coverage will be somewhat cheaper, you will be prevented from recovering damages for your injuries unless they are extremely serious. This loss of coverage is simply not worth the meager savings of the reduced premium.
If you find yourself in a situation where you need to initiate a car insurance claim, follow these steps:
- Promptly Contact Your Car Insurance Company
- Document Required Paperwork
- Utilize Mobile Apps to Upload relevant evidence
- Stay Mindful of Deadlines
- Establish an Insurance Claim File
Claim process in Pennsylvania
Pennsylvania’s legal framework allows individuals harmed by negligence or wrongful acts to seek compensation through State Courts, and the guidance of experienced Pennsylvania personal injury lawyers is invaluable in navigating this complex process. While it may initially seem daunting, understanding the nuances of personal injury claims is essential. These laws establish time limits, define claim types, impose caps on potential awards, and specify eligibility for financial compensation. Whether you are dealing with an injury or a loved one’s, the process can be challenging due to the intricacies of courts, insurance companies, and legal terminology. To ensure the right steps are taken, including documenting every detail, gathering essential information, and seeking prompt medical attention, contacting an attorney is crucial. These professionals can help draft a demand letter, expertly navigate the claims process, negotiate settlements, and ensure you receive the compensation you deserve. Delays in contacting an experienced personal injury lawyer, or attempting to handle a claim independently may lead to unfavorable outcomes, with insurance companies offering settlements that may not fully address your needs.
How a Personal Injury Lawyer is Helpful
A personal injury lawyer can help you negotiate with insurance companies. Insurance companies are businesses, and as such, their primary goal is to make a profit. They almost always try to minimize the amount of compensation they offer to accident victims, which can leave victims feeling frustrated and powerless.
If you have been injured or have lost a loved one in an accident, our PI attorneys can help you understand your rights and recover just compensation for your injuries and losses. For legal guidance during this process, contact our lawyers at Perna & Abracht, LLC for a free consultation today. Our team includes some of the best personal injury lawyers in Chester County, PA.