Our firm can represent you in cases involving
auto accidents, slips and falls, premises liability; dog
bites and other accidents.
The other driver’s insurance company has called me
what do I do?
is unwise to talk to any insurance representative –
even your own – until you have consulted with legal
counsel. If an insurance representative calls you,
politely advise them you are in the process of
engaging an attorney, and you will instruct your
attorney to call them ASAP.
What should I bring to my attorney at the first
should bring all documents with you that relate to your
accident, including your automobile insurance policy; a
police report (if you have one); any letters you may
have received from any insurance company; the name and
telephone number of any insurance representative who
may have contacted you; any damage estimates for your
car; any photos of the accident scene or vehicles
involved; a list of names, addresses, and phone numbers
of any individuals involved in the accident, or a
witness to the accident; and the names and addresses of
all of your medical providers.
worry if you do not have all of these items. We can help
you assemble them after the first appointment.
Who pays my medical bills?
has adopted what is known as a “no-fault” law, which
requires your own auto insurance company to pay medical
bills arising from the accident. Currently, the law
requires insurance companies to not offer less than
$5,000.00 of medical insurance coverage. Bills are not
submitted to the other driver’s insurance company.
I lost time from work – who pays?
Pennsylvania, a driver may optionally purchase “work
loss” coverage under his or her own automobile policy.
If you have such coverage, you may be eligible to get
some of your work loss reimbursed through your own
insurance company up to the limits of such coverage. If
you do not have such coverage, any work loss claim will
generally be added to your claim against the other
driver, but will not be collected until the case is
What is the difference between a “Full Tort” and a
“Limited Tort” automobile insurance policy?
Pennsylvania, a driver may purchase a “Full Tort” or
a “Limited Tort” insurance policy. This selection
will determine if you can pursue what are known as
non-economic, or pain and suffering damages, in the event
you are injured in an accident.
a “Full Tort” election will allow you to bring an
action for non-economic damages for an injury, however
slight. A “Limited Tort” election limits the right
to sue for non-economic damages. If you have elected a “Limited
Tort” policy, you may only be able to sue
for “serious injuries”. There are numerous court
cases describing what constitutes a “serious
injury”, that qualifies in the limited tort claim.
Many of the typical injuries sustained in an automobile
accident, such as neck and back injuries, may not
qualify as “serious injuries.”
an experienced legal professional in this area of the
law can advise you as to what constitutes a “serious
NOTE: Your selection of a "Full Tort" or
policy will determine whether you can bring a claim for
non-economic damages, even if you are not operating your
own automobile at the time of the accident.
Additionally, your children will be bound by your
selection of a
“Limited Tort” or a "Full Tort"
policy, even if they are injured in a vehicle owned by
It is very important to review your injuries and
your insurance policy with an experienced practitioner
in the field of motor vehicle accidents to determine
whether you can bring a claim, notwithstanding a
“Limited Tort” election in your insurance policy.
There are numerous technical exceptions that may apply,
such that you may have a "Full Tort" remedy
even though you have a
Do I have to go to court?
majority of accident cases do not go to court if the
defendant's insurance company offers a fair and
reasonable settlement and the case can be settled without
the need for trial. We will carefully analyze your case
and use our best efforts in order to compel the
insurance company to offer you a fair and reasonable
settlement. We will advise you as to what constitutes a
fair and reasonable settlement in your case.
How does my attorney get paid?
We generally represent clients in accident cases on a contingency fee
basis. Simply stated, this means if there is no
recovery in your case, there is no legal fee. At the
outset of the case, we will ask you to sign a Contingent
Fee Agreement, which explains how and when a legal fee