Tag Archives: Car Accident Attorney Philadelphia

Car Insurance: Full Tort Vs Limited Tort

Have you been offered to consider Full Tort or Limited Tort? If these terms are new to you and have no clear understanding on what each represent, this is a quick overview on what you need to know as you start preparing your car insurance policy.

What is Full Tort?

When you choose Full Tort option, you can recover all the economic losses or damages such as medical expenses, loss of income, property damages and a lot more. This option includes pain and suffering regardless to the severity of injuries incurred in a car accident according to a car accident attorney in Philly.

For those first timers buying car insurance policies, this may not sound a big deal, but if you will take the professional advice of an experienced Philly car accident lawyer, choosing the Full Tort coverage is a wise decision when it comes to the amount of settlement you will receive.

What is Limited Tort?

If you are searching for car insurance policy the first thing you will discover if you come across the Limited Tort coverage is it is a lot cheaper, around 15% lesser that the Full Tort coverage cost. This could be bigger savings on your end, but if you carefully address the possibility of the extent of your car accident injury, choosing the Limited Tort option has limitation on rights of the named insured including the people listed under your insurance policy like friends, relatives or loved ones. According to a credible car accident attorney in Philly the Limited Tort coverage doesn’t permit a party that is injured in a car accident to claim for pain or suffering or other non-economic losses unless he or she suffered a life altering injury. Based on the experiences of a top-notch Philly car accident lawyer, selecting Limited Tort coverage only limits your claim to medical expenses, loss  of wages, other out-of pocket expenses, but not pain or suffering, which can be the crucial part of a car accident claim.

Full Tort Vs Limited Tort

If you are living in Pennsylvania, you have the option to consider the Full Tort when preparing for your car insurance policy. If you choose Full Tort, this permits you to file a lawsuit for pain or suffering, however if you opted for Limited Tort, you forfeit your right to claim for pain and suffering.

Aside from that, Limited Tort coverage only provides small discount on a car insurance monthly premium. It may seem appealing for first time buyers of car insurance policies because of the monthly savings you will get, but, when the unforeseen event occurs without any warning and been injured from a car accident, you would be disappointed why you even opted for this type of coverage. Why. Saving a few bucks on your monthly premium can’t compensate the emotional and physical pain or suffering that you will experience after a car accident.

Advantages of Full Tort Coverage

A Philly car accident lawyer will recommend to PA drivers to choose the Full Tort for their auto insurance policies because of the many advantages they will enjoy such as:

  • Full protection given to the policyholder for the unavoidable events in the future resulting to a car accident.
  • Extended full protection coverage given to other parties listed under the insured policyholder (friends or family members).
  • Peace of mind that you are given the best protection coverage after the car accident.

How to fully understand the PA auto insurance coverage?

If you are confused on what type of coverage to include for your auto insurance policy, you can always consult a car accident attorney in Philly about the Full Tort vs Limited Tort coverage and learn the best policy coverage for you.

What Are The Types Of Compensation A Person Can Claim After A Car Accident?

Have you been a victim of a horrific car accident in Philadelphia? There are different types of compensation you can file if you decide to file a lawsuit; the compensatory damages and punitive damages. So, what are compensatory and punitive damages? If this is your first time to hear these law terms, let me give you a quick brief and what you must do to get the right compensation.

Definition of Compensatory Damages

Compensatory damages are the claims that can be quantified as expenses. Most victims of car accidents according to a Philadelphia attorney will get compensatory damages for any of the following listed below:

  • Medical expenses

Anything  hospital bill incurred while getting treated from your injuries after a car accident could be claimed as medical expenses such as doctor’s visits, use of medical devices and instruments to diagnose your present condition as well as those expenses that will cover future rehabilitation.

  • Loss of daily wages or earnings

Whether you are employed or run a business, you are also entitled for loss of income due to the car accident injury. If your injury resulted to a case of permanent disability, a percentage of what you will earn in the coming years will also be computed and given as part of your compensation.

  • Loss or damages to property

If the major collision with another vehicle led to the total destruction of your car, you are entitled for reimbursement for repairs or purchased of a new vehicle. The amount you will receive in purchasing a new car will be based on the prevailing market value of your damaged car.

Definition of General Damages

According to a lawyer in Philly, “general damages” are also another type of compensatory damages, but cannot be quantified in terms of bills or medical reports. They refer mostly on the pain or discomfort felt by the victim of a car accident and can be divided into the following classifications:

  • Physical pain and suffering
  • Mental (psychological suffering)
  • Loss of interest to enjoy life
  • Loss of consortium ( received by the spouses left behind after the car accident)

Definition of Punitive Damages

These types of damages are rare and if the court together the jury found the defendant’s action to be malicious or outrageous, they may file punitive damages and are meant to punish specifically the defendant and prevent him or her from doing the same action in the future.

How to determine which type of damages to file in a car accident case?

You will need an expert lawyer with solid track record of handling car accident cases to assess if your compensation claim after a recent car accident has legal grounds and considered valid under the Philadelphia car accident rules.

Don’t let your doubts whether you should file a lawsuit or not prevent you from receiving whatever compensation you really deserve. This is the appropriate time to consult a Car Accident Lawyer Philadelphia and be guided on your next action to make.

Shall I File A Car Accident Police Report?

Have you been involved in a recent car accident? If you are still unsure whether you should file a car accident police report, let me give you further enlightenment on this issue. For record purposes of police, accidents reports are essential in collection of statistics on car accidents happening in a particular state. Car accidents report provide accurate data to the government, helping them come up with better and stricter rules in implementing road safety. So, if you will ask this compelling question after involvement in a recent car accident, “Should I file a report?” here are some scenarios that will tell you what you should do.

Scenario #1

Some drivers who have been involved in car accidents feel that filing a police report is needed when filing an insurance claim. In fact, when you file a car accident police report, you have peace of mind the your incident is properly recorded on the “books” and in the event your insurance company wants proof of this particular accident, you can easily get a copy from your local state police office.

Scenario #2

In the event your car accident didn’t cause injury to you or the other driver and no property damage incurred, if this incident happened in Philadelphia according to a car accident lawyer, the policemen of the Philadelphia Police Department (PPD) will not usually go to the accident scene, but the drivers of both vehicles must file the “Accident Report” within the duration of five days of the crash.

Why file the report?

There are underlying reasons that filing a report seems the wisest thing to do, especially if it’s a case of car accident. Why? The future may bring complications or uncertainties that you may not foresee to happen and having a police report could be useful in case the following events arise:

  • The other driver decided to pursue legal charges after contacting a lawyer in Philly.
  • The complications as well as other signs of injuries only appeared late like days or weeks after the actual collision. So, if you developed a serious back, neck or head trauma injury, you will need to file an insurance claim or lawsuit on your own. A recorded report of this Car Accident Lawyer Philly will be considered as proof or evidence to support your story. In the event, you failed to notify your insurer about your accident, they may not cover any medical expense that occurred in the scene of accident.
  • The other driver may decide to file an insurance claim. In Pennsylvania, auto insurance is a bit complicated because there are technicalities that an ordinary individual may not be aware of like when drivers opt for the “no fault” auto insurance or conventional liability insurance coverage. But, regardless of the auto insurance policy the driver has, if you didn’t file any report of the accident to your insurer, you can be penalized for such action or lose rights for an insurance claim.

Don’t you know your legal rights after a car accident? Regardless your car accident led to serious injury or no injury, severe property damage or none, being involved in a car accident may have technicalities that only a knowledgeable lawyer with specialization in car accidents in Philadelphia can explain to you. If in doubt of what action to take after a car accident, consult a lawyer and discover the real score.

All You Need To Know About Employer Liability In A Car Accident Case

Do you want to know who will be held liable in a car accident case if an employee is at fault? This is a critical issue, especially if the car accident occurred while the employee is driving a company vehicle. Determining who is really accountable if this car accident case happened in Philadelphia must be put under the expertise of an attorney specializing in car accident cases. Let me give you a quick brief on what you need to know about employer liability in a car accident case.

What are the reasons an employer is held liable?

There are at least two major reasons when an employer is held fully liable for a car accident case involving an employee.

  • Negligence of the employer

One of the grounds where employer liability will be ruled out is due to employer’s negligence. For example, if the employer hired a company driver, but didn’t do the necessary screening and compliance of strict requirements like ensuring that the only an applicant holding a commercial license driver must be considered for the job and instead hired anyone claiming he or she is a good driver.

  • Negligence in supervision

Another scenario that can be used against an employer and be held liable for an employee accident is negligence in supervision. For example, regular check-ups of transport vehicles must be done before a company driver must be allowed for dispatch, but, due to the strict deadlines on deliveries the employer requested immediate dispatch without checking if the vehicle is in good condition to travel and resulted to a major car accident, the employer can be sued for negligence.

  • Vicarious liability

The attorney with solid background on car accident cases knows when a vicarious liability can be filed to an employer regardless the incident happened in Philadelphia or another state. Vicarious liability under the doctrine of law states that the actions of an agent are same with the actions of the principle directing the agent. Let me give you a clearer explanation for this matter, the employer here is referred as the “principle” and the agent is the “employee”. So, for this rule, if the agent (employee) is task to do something and the command is derived from the principle (employer) if an accident happened at the time of the task, the employer is held responsible or liable. On the other hand, there is an exception to this rule where an employer (principle) isn’t held accountable for an employee’s accident if the bad decision or bad act of the employees is the real cause. A good example where an employer isn’t held liable is when an employee is requested to buy supplies, but when going back to the office decided for a quick snack at a nearby café and was hit by a car.

Do You Need Expert Legal Advice To Resolve Your Car Accident Case In Philadelphia?

Do you have many unanswered questions at this point of time about your employee’s involvement in Car Accident Case In Philadelphia? The best action you can do for now is contact an attorney in Philly and verify which employer liability might be filed against you. A credible attorney can give further explanation and guidance on what employer liability can be applied in your current situation.

 

A Philadelphia Lawyer Guide On What To Do After A Car Accident?

Even if you are severely shaken after a car accident, you need to have presence of mind and be aware on your surroundings. According to a Philadelphia lawyer, here are the steps that you have to do after a car accident.

Step #1 – Don’t panic

It’s normal for anyone who got involved in a car collision to experience fear. It would be helpful if you don’t panic, especially if you have other companions inside the vehicle. Gather your strength and maintain full control of yourself.

Step #2 – Don’t leave the scene

Leaving the scene isn’t a good idea, especially if someone had been badly injured due to the collision. If you decide to leave that very moment, people witnessing the incident may assume it’s your fault and you could be facing a serious legal offense like hit-and-run.

Step #3 – Call the highway patrol immediately

If you and another driver had a major collision and led to serious injury or possible death of another person, you have to call the highway patrol or police immediately and report the car accident. Wait for the assistance to arrive and give clear details of the incident.

Step #4 – Disclose real information

In most cases of road accidents, drivers involved in collisions need to disclose real information such as name, address, license number, vehicle plate number including insurer. If there are passengers, their information details will be needed according to best practices applied on road rules and regulations.

Step #4 – Get witnesses contact details

Most car related accidents have witnesses. It would be very helpful for those involved in the car accident to get the witnesses contact details according to an attorney with specialization is car accident cases in Philadelphia. Among the important information that you need to get from a witness is name, address, and contact number. Why? These witnesses would be needed in the event your car accident case will undergo litigation proceedings and eventually lead to a trial.

Step #5 – Notify your insurer

If you have car insurance policy, notify your insurer the soonest possible time after the car accident. Why? Filing a car insurance claim may take days or weeks, and if you don’t inform the insurer, delays may arise. Again, it’s crucial that you only disclose real and honest facts about the incident because your insurance claim can be denied.

Step #6 – Get medical treatment

One of the legal documents needed in the event you will file a car accident case is a medical report from the doctors and other medical professionals who attended your medical emergency needs. So, it’s a wise decision to get medical treatment soon to get the right treatment and prevent the injury from becoming worst. Besides, your medical bills including follow-up treatment expenses could also be used as evidences when your lawyer in Philadelphia decides to file your car accident case.

Step #7 – Keep your evidences in a secured place

Gathered evidences during a car accident are vital for an insurance claim and when filing an accident case. Keep all evidences like photos of your injuries, wrecked car or stained clothes in a secured place, so that when your hired attorney in Philadelphia will required them, you have quick access.

Consulting a legal representative that specializes in car accident cases is the very first thing you need to prioritize after recovering from your injuries or losses. A car accident lawyer generally offers contingency fee agreement to their clients, so having not enough funds to pay for the professional fees of this professional should not be an issue. Contact now an attorney and find out how you can get the right compensation.

Frequently Asked Questions That You Can Ask The Car Accident Lawyer In Philly

Can’t still make a decision whether to file a car accident case or not? If you don’t know which action to undertake after the horrifying car accident which inflicted serious injury on your end, then, the best move to take is to talk to a car accident lawyer in Philly and be guided through this challenging moment. In the event, you have successfully booked a private consultation with a licensed car accident attorney Philadelphia, be sure to come up with a list of questions. Below are frequently asked questions that you can ask your hired car accident lawyer during the one-on-one meeting.

Question #1 – Can I be fully compensated when filing a car accident case?

This is one of the crucial questions that you should ask the hired car accident lawyer Philly, whether filing the car accident case will give you the right compensation you deserve or not. Why? Remember, the injuries you had after a car accident may need regular visits to your doctor before reaching full recovery and can be very costly. Aside from the physical pain, you have to endure, there are also other issues to worry about such as expenses to repair or replace your damaged car as well as loss of earnings if you have to take weeks or months leave from work. You need to be clear from the start on how much compensation can you claim.

Question #2 – What can I expect from hiring your legal services?

Another question that you need a straightforward answer is the services you will receive upon hiring a car accident attorney Philadelphia. Even if your insurer will be the one who will appoint the legal representative that will handle your car accident case, it’s a must that you know from the very start what is inclusive of the lawyer’s professional services such as legal representation during meetings with the other party, acquisition of documents that will serve as evidences and if he or she will be the one to defend you if a trial will proceed.

Question #3 – What is the duration of the car accident case?

I’m sure you have concerns about how long this car accident case will take place. So, while the private consultation is undergoing, don’t hesitate to shoot this question, “What is the duration of this case?” Keep in mind, the timeline on a car accident case from one state to another may vary and if you have a knowledgeable car accident lawyer Philly working on your car accident case filed in Philadelphia, he or she is completely aware the average length of a car accident case, including the trial and final decision before claims, can be released. Having a clear idea on the length of a car accident case will give you a clear insight on what other options to consider such as favoring an out of court settlement.

Question #4 – Can you help me file permanent disability benefits?

If your car accident led to the amputation of your leg or left your permanently disabled with no more ability to resume to work or function normally, then, it’s important that you ask your appointed car accident attorney Philadelphia is he or she will also help you in filing a permanent disability benefit at the Social Security.

Question#5 – What documents do I need to provide?

Among the other issues that you need to share with your car accident lawyer Philly are the documents needed to support the car accident case. Your full cooperation as a client is needed when it comes to the procurement of documents that will become evidence when filing a car accident case. So, while you are having a private meeting with this legal representative, request a list of documents you need to provide such as photos of the car accident, medical report from your doctor, x-rays and laboratory results as well as statements of witnesses at the crime scene.

I hope the above frequently asked questions will help you get the right answers from your chosen car accident attorney Philadelphia. If you have other concerns include them on your questionnaire and feel free to ask them during the private consultation.

How Can The Car Accident Lawyer In Philly Help With Your Car Accident Case?

Car accidents are among the complicated cases that lawyers have to deal with on a regular basis. If you have been recently involved in a major road collision that resulted in physical harm or damages to you and another driver, you should take this seriously before it gets out of control. Keep in mind, regardless who is to blame for this traumatic incident you need to contact immediately an expert in car accident case. If the car accident happened in Philadelphia, it would be a wise thing to act fast and call right away a car accident lawyer Philly. Why? Let me give you some of the benefits you will receive if you appointed a legal representative with enough experience in handling car accident cases.

  • Knowledgeable of existing laws

There are many issues that could arise after a serious car collision such a total wrecked car, severe physical injuries to another party and property damages. If you have with you a reputable car accident attorney Philadelphia, this professional can acquaint you with existing laws and regulations that could impact the outcome of your case. Your appointed attorney can give you solid advice on limitations that will prevent you from filing a lawsuit case. For example, in some states, you can still file a lawsuit during the period of two years of the car accident or be permanently barred from pursuing a lawsuit. Your attorney can provide relevant information on exclusions, especially if a minor is involved in that incident.

  • Do the needed paperwork

Yes, this is definitely among the special services you will receive upon hiring a car accident lawyer Philly, rest assured that the needed paperwork for filing a case are procured like police reports, statements of witnesses, medical records and other important documents that will be accounted as proofs.  The car accident attorney knows the ins and outs of filing an accident claim such as preparing a settlement demand letter for your insurer. In fact, in circumstances where you can’t personally file your accident claim, your appointed car accident lawyer Philly will take responsibility of filing this paper to ensure the quick processing of your case.

  • Legally act as your advocate

This is one of the biggest responsibilities of a car accident attorney Philadelphia, he or she will legally act as your advocate. What does this mean? It simply means this professional under the law is legally bound to act on your behalf and makes sure your side is heard during a litigation process. Your car accident attorney will be there to defend you before the judge, jury and legal representatives of the other party and see to it that you will be compensated for your losses.

Do you still have many questions left unanswered? If yes, don’t hesitate to contact a car accident lawyer in Philly and book a private meeting to discuss your concerns. If you don’t know the legalities when filing a car accident claim and wish to achieve a successful outcome, let an expert car accident attorney be your instrument in getting a fair resolution.