Car Accident Lawyer Philadelphia

Anyone who lives in, works in, or visits the city regularly is well aware of how packed the highways and road systems are in Philadelphia. Car accidents are a just a part of everyday life here in Philadelphia. It is easy for Philadelphians to wonder why bother having a car at all; it’s expensive to maintain, stressful to maneuver through the streets, and almost impossible to find parking for. On top of all of that, getting in a vehicle and driving down the roadways are usually the most dangerous activity of the day. It is estimated that Philadelphia drivers get into an accident once every six years, which is far above the national average of an American driver getting into a car wreck once every 10 years.

Car Accidents are among the leading causes of injury in the tri-state area. If you have been injured in a car accident, here are a few things that you need to know:

Your medical bills will be paid by the medical payments provision of your auto policy. Here is how that works:

If you have not retained an attorney or law firm (which you should if you are injured) then you need to report the claim to your own insurance company. Pennsylvania and New Jersey are both “No-Fault” states when it comes to medical care. This means that everyone’s own insurance pays first. Many people call our office not understanding why their insurance is paying their medical bills when they are not at fault for the Car Accident in which they were involved. But this is exactly what "No-Fault" means. In order to ensure that people obtain quick treatment for injuries, the Commonwealth of Pennsylvania and the State of New Jersey mandate that your auto insurance pay your medical bills until exhausted, and then your private health insurance pays the excess medical bills. Therefore, if you are injured and need medical care, you need to report this to your own insurance company, and they will send you an application for medical benefits that you should fill out and return. Additionally, if you went to the hospital, you need to notify them that you have car insurance to cover their bills. Often times, we see that people begin to get bills in the mail, and, eventually collection notices. This is because the hospital either did not have your claim information from the auto policy, or they mistakenly billed your health insurance.

If you or a loved one were injured in a Car Accident, call The Law Offices of Greg Prosmushkin, P.C. Our attorneys and staff can assist you in the claims process which, as you can see, can become very confusing. The consultation is always free with us, so call today for answers to any questions you may have.

Philadelphia Car Accident Lawyer

Another major issue which people face with car accidents is the ability to make a claim for personal injuries. When a person contracts for insurance, whether online or through an agency, that person is always asked whether they have any interest in being able to sue for something other than a serious Personal Injury. Most people respond no to this. That is, until they are in an accident themselves. People tend to choose a lower premium, and place their well-being second, after the money. The choice is between Limited Tort and Full Tort. Limited tort means that you agree with your insurance company that you will not make a claim against anyone that it applies to unless you have a serious impairment of a bodily function. In other words, an injury that is permanent and serious in the way it continuously affects you. The unfortunate part of this is that you do not get to determine what a serious impairment is. The insurance company for the person at fault makes this determination when they are evaluating the case for a possible settlement. As one might imagine, there are very few cases which the insurance company agrees that the injury meets the limited tort threshold. On the other hand, if you choose full tort, then you have the unfettered right to claim any injury, serious or temporary, and the insurance company will evaluate the claim and not be able to deny you some compensation. If you or a loved one were injured in an accident and you do not know where to turn for advice, call The Law Offices of Greg Prosmushkin, P.C. for all your answers. The consultation is free.

This content was written on behalf of Greg Prosmushkin.