Car Accident Attorney Philadelphia
Car Accidents can be complicated. Victims of Car Accidents carry many misconceptions about the role insurance plays, both when there is property damage, and, especially, when an Injury Occurs. Many people have two major misconceptions. The first is that their insurance provides “full coverage” and the second is “since the accident is not my fault, the other driver has to pay for my medical bills.” At The Law Offices of Greg Prosmushkin, P.C., we hear these two misconceptions on a daily basis.
Misconception number one – “I have full coverage.” This statement is wrong; especially if you were not at fault, and are making a claim for personal injuries. There is no such thing as full coverage. We have learned from interviewing hundreds of clients who say this that the coverage they have is typically minimal. The coverage is designed to allow the driver to operate a car legally. This means that if you are an insured, you are protected up to the limit of liability if you cause the accident. Other than that, these people are usually not covered if they are struck by a vehicle that had no insurance or not enough insurance. In addition, these policies are usually binding for limited tort. That means that you cannot sue for damages to your person unless you suffered a serious impairment of a bodily function. This is very difficult to prove, and "serious impairment" is defined by the insurance company, not you.
For something resembling "full coverage," coverage needs to be paid for uninsured and underinsured driver risks. Coverage also needs to be for the right amount of money. Only then can a person rightly say that they are fully covered, but even then only up to the amount that they contract. Therefore, larger limits of bodily injury coverage and Uninsured and Underinsured Motorist should provide a safe pool of money to be able to access should you sustain serious injuries.
Philadelphia Car Accident Attorney Free Consultation
At The Law Offices of Greg Prosmushkin, P.C., our attorneys and staff are trained to analyze your coverage, and explain to you what is covered for you and what is not. We are not insurance salesmen, so our free advice concerning insurance is not provided for our financial gain, but for your benefit. Our consultations are free, and we invite you to call us or chat with our website chat host.
Attorney for Car Accidents in Philadelphia
Misconception number two – "The defendant was at fault, and therefore his or her insurance company should pay my bills." This is false because Pennsylvania is a no-fault state. The insurance companies cannot charge you for making a medical claim. Under the law in Pennsylvania, each person takes care of their own medical through insurance. If you do not have a car, then the next area to look for coverage is in the house or home you occupy. What does this mean? Well, it means that if you live with a relative and that relative owns a car, then you must make application to have that company pay your medical bills. However, your relatives insurance rates will unequivocally not increase due to this payment. Only if you have no car insurance and you live with no resident relative with a car can you make the defendant pay your medical bills.
If you have questions or comments about an accident you had with your car or your family car, please Contact The Law Offices of Greg Prosmushkin, P.C. The consultation is free, and we guarantee that, unless we win money for you, no cost or fee will be charged.
This content was written on behalf of Greg Prosmushkin.