Tag Archives: Car Accident Lawyer Philadelphia

Everything You Need To Know About UIM Insurance

Everything You Need To Know About UIM Insurance

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No matter how experienced a driver you are, accidents are prone to occur on the road. And in accidents, it not only affects you but also your vehicle. This is why it is essential to have proper insurance that helps you cover medical expenses and your loss of income. However, according to studies, among ten drivers, only 6 carry the proper insurance. So, how are you supposed to when your accident is caused by a driver with an insurance policy that cannot cover the whole expenses of your damages? How are you going to compensate for your loss? Well, that’s where UIM coverage comes in. UIM stands for Underinsured motorist. So, what exactly is UIM insurance, and how can it help you? If you are interested in learning more about UIM, keep reading this article to the end.

What is UIM Insurance?

As stated above, UIM stands for Underinsured motorist coverage, which aids you financially when the accident causes the driver won’t have the coverage to cover all your damages. It is offered with UMC, uninsured motorist coverage, where the driver doesn’t have coverage to pay for the expenses.

Underinsured motorist insurance usually pays for you,

●       Medical Expenses

●       Covers the wages if the accidents left you with a temporary disability to work

●       Compensation for Pain and suffering

●       Funeral expenses

In some states, it also covers the damages incurred by your car in the accident.

Is Underinsured Motorist Insurance Required if You Have Health Insurance?

Your health insurance might overlap with the Underinsured motorist coverage. Here are a few reasons you should consider opting for UIM instead of health insurance.

Will Your Health Insurance Cover the Injuries That You Have Sustained in Car Accidents?

Medical insurance might not pay you until the sources of other coverage are not exhausted. That is why you should choose Underinsured motorist insurance over your health insurance. For more information, you can also consult with your insurer.

Does Your Health Insurance Have Any Deductibles?

Typically medical health insurance consists of high deductibles, which makes it difficult to access health insurance before your deductibles are all paid up. However, there are no deductibles with UIM or UMC, which makes it highly beneficial for you to choose these coverages. Medical health insurance doesn’t cover the income you lost due to the accidents. However, UIM does, which makes it highly recommendable that you choose UIM.

Best Car Accident Lawyers in Philadelphia

In Philadelphia, the accident rates are pretty high. There are several accidents where the outcomes have been fatal, which has left many families in miserable situations, with high medical expenses and losses of the primary bread earners. This is why it is recommended that everyone should have contact details of one of the best law firms, which has profound lawyers and attorneys having legal expertise within these lawsuits. By being acquainted with a reliable law firm, you will get access to a professional lawyer and attorney. They can help you with these circumstances by providing what you deserve. So, if you have been a victim of these circumstances, contact Philadelphia Car Accident Lawyers as soon as possible. Being the best Philadelphia Car Accident Lawyers, we strive to offer what is best for you.

Health Insurance And Car Accident Injuries: All You Need To Know

Health Insurance And Car Accident Injuries: All You Need To Know

People contemplate to an ample extent before purchasing a health insurance program. Nonetheless, the maximum number of people frequently unknowingly neglect to pay attention if our health insurance policy also underwrites personal catastrophe damages.

Car Accidents And Their Frequency

Car accidents are unfortunately coming to be a banality. Preoccupied steering due to texting, drunk driving, and speeding, are highly accountable for casualties on the roads and highways. Even if you are not behind the steering wheel, you must put up precautions as the tragedy may happen to anyone.

Health insurance boosts coverage for one’s medical and hospitalization expenditures up to a fraction of the amount guaranteed by the agreement.

Available Policies

There are numerous varieties of Mediclaim policies accessible in the market, for example, Individual Mediclaim Policy, Family Mediclaim Policy, Senior Citizen Mediclaim Policy, etc.

Society must not be under the inaccurate sentiment that their health insurance policy contributes a veil for all medical expenditures, irrespective of the justifications. Personal casualty cover is a distinctive kind of insurance commodity that requires to be paid for, over and above health insurance. A personal accident policy can be acquired either as an add-on cap in the health insurance proposal itself or as a thoroughly independent scheme.

Several insurance corporations have now commenced containing personal accident policies in their ‘inclusions’ section just so they can customize their strategies according to their ordinances. Usually, in legal cases of road accidents, all medical expenditures, right from the ambulance fees to in-patient hospitalization upkeeping are well taken care of. Some agendas however have moreover broadened their range to post-hospitalization payments like physiotherapy, consultation fees, etc.

While alternatively, they can also choose to go for a thorough personal casualty insurance policy that administers as a standalone range plan that procures penalties and payments originating due to the catastrophe. Such strategies empower monetary earnings in case the insured person goes through a whole or partial disability or yields in the disastrous incident of a death.

Most lawyers and attorneys from the majority of law firms will explain to you how fighting for insurance is a tedious job.

Importance Of Insurance

Life sure is unpredictable, even at its best. One can never be too sure about how the road that’s moving along will lean towards, quite literally! In today’s unpredictable eternity, personal catastrophe insurance or coverage regulates assistance for practically every person, with no regard for their age, livelihood, and condition and that’s why you should entrust the responsibility of your life to a Philadelphia car accident attorney because they know what they do and also helps you look at your life or your casualties with a better vision and strategy.

Philadelphia Injury Lawyers P.C. can help you here. We come equipped with the necessary expertise under our belt to take care of your case. Find a suitable lawyer today! As a reputable law firm, we have created a niche for ourselves by offering bespoke professional services to our clients.

Any Philadelphia car accident attorney from Philadelphia Injury Lawyers, P.C. is going to be perfect for your case.

Causes of Bus Accidents

Causes of Bus Accidents

There are many things that can lead to a bus accident. It is heart-wrenching that these crashes are much more dangerous because of how many people are on a bus and how big and heavy these buses are. An ordinary bus weighs about 3,000 lbs, but a school bus can weigh about 42,000 lbs. Any accident between a bus as well as another vehicle is likely to have serious, or even severe, injury problems.

Because buses are hefty, they can get into a lot of accidents on the road. This is true whether they’re road trips, town, or student buses. A bus accident can be more severe than a car accident because of the mass and volume of the bigger vehicle. When someone gets hurt in a bus accident or ends up losing a family member in a deadly collision, it’s important to figure out what happened so that you can figure out who is to blame and how you can file a lawsuit against the responsible person by the help of Philadelphia Bus Accident Lawyer. This law firm has a great number of experienced attorneys.

Common Causes of Bus Accidents

Neglection By The Bus Company

The bus company is often to blame for accidents because they don’t pay attention. Despite the fact that the sector is governed, bus safety checks and record-keeping rules aren’t as tough as those for the airline sector. Most bus fleets are old and may not have seat belts or other protective equipment. There may be a reason for an accident, such as lack of maintenance or poor driver assistance. Due to this cause, you can easily file a lawsuit against the bus company by hiring an attorney. There are many law firms which are providing great attorneys but the attorneys of Philadelphia Bus Accident Lawyer are experienced in handling bus accident cases. Try to contact Philadelphia Bus Accident Lawyer so you can get an experienced attorney for your lawsuit.

Carelessness Or Recklessness Of A Driver During Driving

Laws that say how bus drivers should act may not be obeyed. Full days of service rules set a limit on how long a driver will be on the road and how long he or she must take a rest; bus speed; moving and passing rules; and certain other rules. People who drive while under the influence of drugs or alcohol do so at great risk, and it’s also against the law. Calls and texts or texts could keep a driver from paying attention. There’s also a lot of driver distraction, which can be caused by sleep problems. This puts drivers at 2.5 times the risk of getting into an accident on the road than other drivers. So if someone gets injured due to the driver’s fault, then he or she should file a lawsuit against the driver by hiring an experienced attorney from a Philadelphia bus accident lawyer. The attorneys from this law firm are very great. They read each and every detail of the case carefully.

The Weather Or The Road

A bus accident doesn’t happen very often because of bad weather or bad roads. But because of the bus’s body mass and difficulty in handling, these situations can make a bus crash even worse. To be a bus driver, you need to learn how to drive in all kinds of weather and how to take safety precautions, like slowing down when the weather is bad.

The Possible Implications Of A Bus Accident

Definitely, the worst thing that can happen in a bus accident is death. Estimates say that about 45 passengers per 100,000 accidents have had this happen to them. In any of these cases, the family of the person who died may be owed money for alleged negligence. Meanwhile, there are many other serious but non-fatal concussions that can happen, such as: some of the things that can happen when you fall: Skull fractures; Back problems; Brain damage; Spinal damage and other bone fracture; tissue damage or disfiguring; Cuts and bruises and bruising; Injuries; and Wounds. Emotional injuries, like death and misery or post-traumatic distress, can also happen to people who have been hurt. These, too, may be able to be paid for. In this case, anyone who gets hurt or injured due to the negligence of a bus driver can easily claim a lawsuit against him by hiring a great and experienced attorney from Philadelphia Bus Accident Lawyers. Lawyers from this great law firm will help you to file a lawsuit against the owner of the bus, driver of the bus and the company of the bus.

Final Words

The terms of deciding who was at fault in a bus accident can be hard. In the case of an accident on a bus, the driver, the bus company, the administration, the private party or the insurance company could all be found responsible and be held liable.

Many law firms have a great number of attorneys, but a Philadelphia bus accident lawyer is the best when it comes to hiring a lawyer. Philadelphia Injury Lawyers have a skilled legal team of attorneys who works on your behalf to find out what caused your bus accident and file a lawsuit against the person or people who were guilty of negligence to accept responsibility. Philadelphia bus accident lawyers work to get you the money you deserve while you focus on treatment and recovery.

You can get in contact by visiting their site

Safety Tips For Driving on Icy Roads

Safety Tips For Driving on Icy Roads

Winter driving is quite dangerous. Those who live in an area where this happens frequently should be aware of the danger. There are additional measures that drivers need to take when there’s snow and ice on roads. This article by Philadelphia car accident lawyers assists you in driving safely on icy roads.

Safety Tips for Drivers Driving in Winter

Here are some precautions that drivers must follow when driving on snow and ice to avoid accidents.

  • Driving in the winter needs slower speed and extra caution due to bad visibility and the increased danger of accidents. Always allow some spare time when driving in the winter.
  • Make sure your winter tires are properly inflated and have the correct type of tread. If you’ll be driving on ice, investing in a set of winter tires is a wise decision.
  • If the road becomes slick, make sure you have chains available.
  • With a slower speed, it’s easier to react when something goes wrong. To respond more quickly in an emergency is possible when driving slowly. On icy roads, driving too fast can be hazardous. Be prepared to travel slower than you would on dry roads.
  • Keep a minimum of three car lengths between your vehicle and the vehicle ahead of you at all times.
  • Remain your headlights on, even during the day. During the winter season, visibility reduces due to snow and ice. Even if it isn’t snowing, your headlights will provide an extra layer of protection for you.

What if You Meet With an Accident Despite Being Careful?

Car accidents can happen to anybody and cause a lot of pain and suffering. Being injured due to someone’s irresponsibility might add to your stress and frustration. Philadelphia Injury Lawyers, P.C. assists you through the entire procedure. They begin with the accident and help you through the hospital treatment, insurance company dealings, and lawsuits. A reputable law firm is something you need. They have skilled injury attorneys. Hire a car accident lawyer in Philadelphia after your car accident to get the best legal help.

Let a Car Accident Lawyer Fight for You

Personal injury attorneys are among the most trusted professionals, having years of experience and a great name in the business. They are dedicated to fight for people who suffer due to another’s negligence. A top personal injury attorney represents clients in various forms of accidents.

Philadelphia Car Accident Lawyers Do All the Work Law firms are devoted to your interests and strive to get the best possible outcomes on your behalf. They value their clients and want to do everything to meet their expectations. An injury lawyer begins by talking about your case and gathering relevant information. Having gathered all the facts and knowledge, a lawyer designs a detailed approach for your situation. They will contact you frequently. You can contact them for assistance after an injury in an accident. You’ll receive the compensation that you deserve as a victim of someone’s recklessness when you work with an experienced legal team of lawyers.

The Do’s and Don’ts of Talking to Your Insurance Company After an Accident

The Do’s and Don’ts of Talking to Your Insurance Company After an Accident

Car accidents, regardless of their severity or relative insignificance, are scary events. Victims are sometimes at a loss for what to do immediately following an accident, and it is at this point that unscrupulous insurance adjusters strive to take advantage. While it is feasible to manage the claims process on your own, there are a few aspects you should be aware of about working with your own or the at-fault party’s insurance carrier.

We’ve produced a list of what to do and what not to do while dealing with an insurance company following a vehicle accident. If you’d like to talk with an experienced Louisville car accident attorney about the facts of your case, call a Philadelphia car accident attorney immediately for a free consultation.

The Must-Dos

  • Make contact with your insurance carrier as soon as possible following an accident. If you require emergency medical treatment, this can be arranged after you have received therapy.
  • Do read your insurance policy carefully to ensure that you comprehend the coverage provided. This should be accomplished before speaking with an adjuster.
  • Maintain a record of all communications with representatives of insurance companies. These records should include thorough notes of all discussions and the names, contact information, and work titles of the individuals with whom you speak.
  • Collect all additional insurance plans that you or other household members may have. In this manner, your attorney can ascertain whether any further coverage is applicable.
  • Ascertain whether your insurance policy covers replacement costs or depreciated/actual cash worth.
  • Whenever feasible, take photographs of your car and any injured parts.
  • Keep any receipts for expenditures incurred as a result of the accident.

The Don’ts

  • Refrain from making any recorded or written comments to your insurance until you become aware of your injuries.
  • Accept the value your insurance provider allocates to your losses based on their estimate or appraisal, although these estimates may be lower than the actual worth of your losses. If you are required to provide a recorded statement, consult an attorney.
  • Accept and cash no cheque that carries the words “final payment” unless you anticipate receiving no more compensation for your losses.
  • Do not disregard your insurance policy’s deadlines. The majority of insurance plans need to sign evidence of loss within a certain period following an accident. Consequently, if you are dissatisfied with the resolution of your claim, you must contact an attorney before this deadline or risk losing your right to sue.


Even though contacting an attorney is the last thing on your mind following an accident, you need not delay. Enactment of limitations restricts the length of time you have after an injury to launch a lawsuit.

When you retain our services, we immediately begin working on your case. We understand that evidence may vanish rapidly, which is why we dispatch our skilled team of detectives to the location. We’ll gather evidence, obtain a police report, and speak with insurance providers – and we’ll keep you updated while you heal.

Closed Head Brain Injuries Caused by Car Accidents

Closed Head Brain Injuries Caused by Car Accidents

Car Accident Attorney Philadelphia

An automobile collision can cause a number of serious ailments, particularly brain and head trauma. However, not all brain injuries are equal. There are several levels and types of severity. Those who have had brain trauma as a result of a reckless driver, as well as those who care for them, should not have to deal with everything alone.

We understand the stress you’re going through if you or a loved one has suffered a traumatic brain injury in a vehicle accident. You can lessen your tension and get the financial recompense you require by consulting with a car accident lawyer in Philadelphia.

For a free consultation, contact Car Accident Attorney Philadelphia law firm now. Allow us to explain your alternatives and rights. Calling is risk-free since we provide free first consultations and are only compensated if you get compensation.

What to Do If You Had a Closed Head Brain Injuries Caused by Car Accidents

If you’ve had pain after a vehicle accident, no matter how little or severe, you should consult a doctor. You should ask to be evaluated for brain damage and to be sent to a specialist.

Following the accident, it is critical to keep track of your health symptoms for the sake of your health and your case. Several victims consider it beneficial to keep a notebook in which they may record their daily experiences. A notebook may disclose a pattern of symptoms that should not be overlooked. More crucial, if you detect a change in how you feel since the injury, go back to the doctor for medical attention.

Recovering from a Brain Injury Caused by an Accident

Even a “small” vehicle accident can result in significant brain injury. You may be able to recuperate in bed depending on the severity of the event, but other individuals will require surgery. In extreme circumstances, patients may need to stay in the hospital for weeks until the swelling or intracranial pressure subsides. TBI sufferers may be exposed to the following risks at the very least:

  • Physical therapy 
  • Visits to the doctor on a regular basis.
  • Exercises for rehabilitation and more.

The Different Types of Brain Injuries You Might Get in a Car Accident

The following are some examples of common brain injuries to be cautious of:

  • Closed Head Injury – Whenever there is no open skull fracture yet the brain is injured as a result of an impact, this is known as a closed head injury.
  • If the skull fractures, the brain is exposed to danger and can be affected by debris or a piece of the skull itself.
  • Frontal Lobe Injury – Damage to the front lobe of the brain can cause issues with emotions, memory, problem-solving, and other cognitive processes. These injuries can also cause aggressive behavior or other emotional disturbances.
  • Brain Bleeding or Hemorrhage – If your brain bleeds, it can destroy cells and cause more damage to your brain.
  • Concussion – A concussion is a type of traumatic brain injury that occurs when the brain collides with the interior of the skull. Concussions can be severe and cause long-term damage, despite the fact that they are usually only transitory.

What Can an Attorney Do for You?

Whenever it concerns your own health and well-being, you are your own greatest champion. A qualified car accident attorney, on the other hand, might be a powerful advocate for you. Injury attorneys can connect you with medical experts who can provide you with the most accurate diagnosis of your disease, as well as fight insurance companies that may delay or deny your claim. Regarding your vehicle accident, working with the experienced attorneys at Car Accident Attorney Philadelphia will provide you with the finest future support. We can assure a seamless and easy transaction with our years of extensive experience.

How to Prove the Other Driver Was Texting and Driving

How to Prove the Other Driver Was Texting and Driving

Accidents involving inattentive driving are all too common. Thousands of people suffer life-threatening injuries, property loss, and wasted time due to the recklessness of others. Texting accounts for nearly a quarter of all negligent driving accidents in the US.

Nearly 80% of all car accidents in the United States today are caused by distracted driving, including talking on a cell phone. Distracted driving is most often caused by cell phones. According to the National Safety Council, 800,000 people in the United States are distracted while driving because they are using their phones.

Drivers distracted while driving are more likely to be involved in traffic collisions. Twenty years ago, texting and driving was a very uncommon occurrence. Now it is one of the major causes of death for teens and young adults. There are a record number of young deaths resulting from distracted driving, and this is a tragedy that could have been avoided.

Impaired driving incidents seldom result in death, but many do result in serious injuries. Several techniques to prove a driver was texting or inattentive at the time of the accident may surprise you. Distracted driving is a topic that law enforcement, legal firms, and courts have “come up to speed” on.

There are various methods to prove that a driver was inattentive when they hit you, and our Philadelphia car accident lawyers explain them in the section below. Accident victims often use this type of evidence to enhance their claims, even if it isn’t always possible to establish conclusively.

Distracted Driving Can Take Many Forms:

Distracted driving refers to a variety of behaviors, not just using a cell phone while driving. When compared to other distractions, texting while driving is one of the most common and dangerous. Distracted driving can take various forms, all of which are harmful. Examples of common examples are as follows:

  • The act of consuming something
  • Looking in the mirror to see how one looks
  • Reaching for things on the console or in other seats
  • talking to other passengers, especially children
  • Changing the radio station or GPS settings
  • looking for information in books or other sources
  • Using cosmetics such as eye shadow, lipstick, eye drops, and contact lenses.
  • Rubbernecking
  • Daydreaming

How to Prove the Driver was Negligent:

The following tactics are commonly used to prove that someone was texting while driving:

The Information Stored on Cell Phones:

To prove that another driver was texting while driving at the time of the accident, you can petition to use mobile phone records in your case. You’ll need the assistance of an expert attorney if you want to get a careless driver’s cell phone records. Car accident attorneys know the process to have access to mobile phone records that the average person does not.

Trail of the “Electronics”:

In today’s society, a single cell phone contains a plethora of modern technology. Distractions such as instant messaging, email, online browsing, and social media activities will not appear in standard cell phone records. However, in general, these items leave a digital footprint. There’s a chance you may trace the source of your distraction back to the moment of your mishap. In certain cases, hiring experts who can help locate technological evidence of distracted driving may be helpful; in others, subpoenaing data records may suffice.


Bystanders, other drivers, and pedestrians are examples of potential witnesses. Witnesses should come forward as soon as possible. To testify regarding the texting while driving activities they observed, your witnesses may need to be subpoenaed in some situations.

Officer’s Statement in the Case:

The more detailed the police report states that the other driver is at fault and careless, the more chance you have of proving impaired driving in court. The police reports must be filed as soon as possible after the incident and include specifics about the accident’s circumstances. In some cases, having a police officer testify in your favor can help you win your case.

Feed/Video Footage from the Security Cameras:

A police dash camera, a cell phone, or an intersection security camera may have captured video of the auto accident, depending on where it happened. It’s possible that other motorists captured it inadvertently. If you hire a lawyer, he can get all of these videos and use them as proof of negligence. They can ask the owners of the cameras to provide us with any footage they have to determine if it has the proof needed.

Reconstruction of an Accident:

The work of an accident reconstruction expert might help determine what happened when the vehicle hit the ground. After careful investigation and reconstruction, they’ll be able to show that the accident was caused solely by a negligent motorist. Distracted driving is a serious offense that a professional should only handle, which is why you should speak with a skilled distracted driving attorney about your specific case.

Texting and Driving: Who’s Liable?

All motorists have a legal obligation to drive reasonably to avoid causing harm to others. Texting while driving, for example, is considered negligent when someone does it on purpose with the knowledge that it is risky. The careless driver (or, more precisely, their insurance company) is legally responsible for compensating the victim for all losses or expenses associated with their acts if it can be demonstrated that your injuries and damages were caused directly by them.

Most of the time, the insurance company will do all in its power to avoid guilt or place some of the blame on you. But even if you have compelling proof, they will not be compelled to settle fairly or negotiate with you unless they are certain that your lawyer is prepared to take them to court.

Unfortunately, it would help if you bore the burden of proof, which is why having a lawyer on your side is so important. Don’t hesitate to contact our law firm for more information about your legal matter and how our law company may assist you.

How Can a Car Accident Lawyer be Helpful?

If you have been injured in an accident caused by a negligent motorist, you must contact an attorney right away. You’ll need legal counsel from the beginning. If you don’t have to go backward, the process goes considerably more quickly and smoothly for you.

Because every case is unique, you should consult with an experienced car accident lawyer. There is no guarantee that you will be compensated because you have been wounded. You must show that the defendant was careless. When it comes to proving negligence, an experienced lawyer will be far more efficient and successful than you could be.

The attorneys who specialize in careless driving cases are well-versed in the procedures for filing a claim with the insurance companies involved and, if necessary, bringing a lawsuit against those businesses. Regardless of how hard the insurance companies battle, you will be able to collect the full amount of compensation to which you are due if you have a lawyer on your side fighting for your legal rights.

Consult with a lawyer to avoid adding legal stress to your plate while coping with car accident injuries, vehicle damage, medical bills, and maybe the loss of a loved one. Contact Philadelphia Injury Lawyers for a free consultation.