Tag Archives: car accidents

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.

Tips To Prevent Car Accidents

Car Accidents

The majority of car accidents are caused by human error. Distracted driving, speeding, drowsy driving, damaged roadways, defective vehicles are some of the common causes of car accidents.

Following are a few important steps you should take to avoid a car accident:

Keep Your Distance

It is advisable to avoid driving too close to the vehicle in front of you. Keeping a distance between your car and the vehicle in front of you can save your life.

Avoid Distractions

There are a lot of distractions in our daily life. Using mobile phones, texting, creating videos should be avoided while driving. When you are on road in your car, you need to give 100% of your attention to the road.

Avoid Midnight Driving

Midnight driving is not less than a challenge as it comes with a higher risk of accidents. During this time, drunk drivers are also on the roads. In case you are driving after midnight, be sure to stay extra alert.

Do As Much Practice Driving As Possible

It is important to do a lot of practice driving to understand all the rules and regulations associated with driving. You should maintain a regular schedule for practice driving. It will help you drive safely in the long-run.

Keep Your Car in Good Working Condition

The majority of automobile accidents are caused as a result of damaged brakes, broken suspensions, tire blow-outs, and other faults. So, it is important to stay up-to-date with car checkups. Take your car to an experienced auto technician if it is making any odd noises. If it is running properly, then you can drive in a stress-free manner.

Stay Extra Alert During Bad Weather

Driving in bad weather is really difficult. It is advisable to consider increased stopping distances and decreased visibility and control. Before taking your car on the road, you should shovel ice or snow so that you can see clearly through windows and mirrors. Also, don’t forget to check the condition of your car’s tires. You need to reduce speed while driving in bad weather.

Control Your Speed

If you are driving your vehicle at a high speed, there are higher chances of an accident. It is important to accelerate smoothly and keep your vehicle’s speed steady while driving down straight roads.

Always Wear A Seat Belt

Majority of people killed in car accidents unrestrained. So, don’t skip wearing a seat belt as it will lower your chances of injury several-fold.

No matter how alert you are, accidents can still happen anytime. By following the above-mentioned ways to prevent car accidents, you can drive defensively.

When you are injured in a car accident due to the negligence of another person, you deserve maximum possible compensation for your injury with the help of a law firm. It is advisable to hire one of the leading attorneys or lawyers to receive compensation. A professional car accident lawyer Philadelphia will provide the best legal support for your case.

Who Is Really At Fault In Car Accidents Involving Pedestrians?

Car Accidents

Do you want to know the real score on who is really at fault in car accidents involving pedestrians? Imagine yourself or a loved one being involved in a car accident but as a pedestrian. What are your legal options when this unforeseen incident happens and left you badly injured?

Below are some issues you need to be aware of the lawsuits on car accidents where a driver and pedestrian are concerned including the role of a car accident lawyer Philadelphia.

Who is really to blame for pedestrian accidents?

This is a crucial question that a pedestrian must address before making a final decision whether to file a car accident case or not after being hit or struck by a moving vehicle. The following concerns must be given a straightforward answer:

  • Is the vehicle involved tried to beat the red light?
  • Was the driver under the influence of liquor or doing something else like using a mobile device?
  • Have you forgotten to check on the traffic light sign and decided to walk?
  • Could either you or the driver concerned have prevented this accident from happening?

In most cases of car accidents involving pedestrians, a pedestrian according to a lawyer in Philadelphia could get compensation in a car accident case if the driver is at least partially at fault. But, if the pedestrian is unmindful of the surroundings or busy texting or talking on his or her mobile phone while trying to cross a pedestrian lane and the driver could not do anything right at the moment, there is a little chance that the pedestrian will win this case.

On the other hand, in a different scenario of a car accident involving a pedestrian, if there is more than one driver involved in this bad incident, who can be blamed? For example, Driver A beat a red light while Driver B had a green light and swerve to avoid making a collision with the vehicle of Driver A. But, this sudden swerve led to Driver B losing control and accidentally hit a pedestrian in the name of Dennis. Can Dennis sue both drivers involved in this accident? Drive B though not fully accountable for this accident is also viewed to be contributory because he or she failed to take control of his or her vehicle after the swerve. Driver A under a car accident case may be compelled to pay the biggest amount of damages filed.

What damages can a pedestrian claim?

If the car accident involving a pedestrian happened within Philadelphia, the damages that can be covered when the legal representative of the injured person files a car accident case are:

  • Medical expenses that will cover both the present bills as well as future expenses that may arise while the injured pedestrian is under the recovery stage.
  • Loss of earnings due to the inability to resume work.
  • Pain and suffering can also be part of the damages.
  • Loss of interest to do the things the pedestrian used to love prior to the car accident.

Who to turn for professional advice if confused where you should file a pedestrian-car accident case?

Another question that will haunt an injured pedestrian is, “Who can really shed light after this car accident?” If the accident occurred in Philadelphia, contacting a local legal representative like a lawyer in Philly could be the only option for now and find out if your pedestrian accident can proceed to a lawsuit.

Should I get an attorney after a car accident? Free Consultation

Auto manufacturers are adding lots of tools to their cars which are designed to make it easier for motorists to interact with technology while driving. Often called infotainment systems, these in-vehicle systems let motorists talk to their cars and use their cell phones hands-free. The hope is that these systems will reduce the number of drivers who are looking at and holding their phone while driving, or who are looking at and entering data into GPS devices while driving.

Unfortunately, there is some evidence to suggest that these in-car tech tools aren’t helping and are actually hurting efforts to bring down distracted driving accident rates. Most troubling has been the major increase in car accidents.

Learn more about Car Accident Lawyers in Philadelphia.

National Highway Traffic Safety

Administration recently released two part guidelines related to in-car technologies like infotainment systems. The guidelines were intended to address the safety of these systems and the anti-distraction features which can be implemented. Part I of the guidelines addressed the built in systems in cars and Part II addressed integration of aftermarket electronic devices. The hope is that by making these systems work in a way that is focused on safety, crashes due to technology can start to decline.

Something clearly needs to be done to reduce the number of car accidents occurring due to distracted driving. New York Times indicates a 10.4 percent rise in car accident deaths in the first six months of 2016, compared with the first six months of 2015. With a total of 17,775 people dying in car accidents between January to June of 2016, this was the biggest year-to-year jump in deaths in the past 50 years. Tech is a big reason why this happened, as National Safety Council estimates about 26 percent of all car accidents today involve drivers using phones.

Unfortunately, the idea that in-vehicle infotainment system is going to solve this problem is likely a flawed idea. These hands-free systems may allow drivers to keep their hands on the wheel but they don’t actually stop drivers from being distracted. A driver who is on the phone could miss as much as 50 percent of what is going on around him, significantly increasing crash risks- even if his hands are on the wheel. The brain simply is not able to multitask, so information gets lost when a driver is focused on his phone call. Further, as the president of the National Safety Council warned, these in-car tech systems may actually be encouraging motorists to interact even more with their phones.

No amount of distraction is safe for drivers, and the only way to help bring down the death rate in car accidents, rather than the number of fatalities continuing to rise, is for drivers to stop using their phones and actually pay attention to the road. If a driver fails in that, the driver must be held accountable for the tragic consequences of his actions.

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.