Philadelphia Car Insurance Claims Attorney
If you’ve recently been in a car accident in Philadelphia, you’ll have to file a claim with your insurance company to recover compensation for your injuries and related costs. However, getting all of the compensation you deserve can be a challenge, especially when you’ve only purchased the minimum required under Pennsylvania state law.
The experienced Philadelphia car insurance claims attorneys at Zavodnick & Lasky Personal Injury Lawyers can help you work to maximize your financial recovery.
Our Philadelphia law firm has been a dedicated ally to crash victims and families in Philadelphia for decades. We put 80+ years of experience behind every client’s case and work tirelessly to secure the best possible outcome in every situation. Our results speak for themselves: we’ve won over $50 Million in settlements and verdicts.
Let our award-winning team help you navigate the complicated insurance claims process and, if necessary, seek damages from a negligent third party. Contact our law office in downtown Philadelphia, PA, to get started with a free consultation now at (215) 875-7030.
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How Zavodnick & Lasky Personal Injury Lawyers Can Help If You Need to File a Claim For Car Insurance Benefits
The claims process is anything but straightforward. And the insurance company certainly won’t make things easier for you. Just because it’s your insurance company doesn’t mean that they’re on your side. At the end of the day, it’s still a business that prioritizes profits over anything else.
You’ll need an advocate to help you navigate the process and fight to get all of the benefits to which you’re entitled under Pennsylvania state law. That’s where our car accident attorneys in Philadelphia, PA can help.
At Zavodnick & Lasky Personal Injury Lawyers, we go toe-to-toe against tough insurance companies in the Commonwealth of Pennsylvania every day for our clients. Our law firm has the experience, resources, and reputation you’ll need to get the results you deserve.
While you focus on recovering, our team will:
- Review the terms of your car insurance policy to understand your rights and identify policy limits
- Investigate your car accident and gather evidence to support your claim for damages
- Notify your insurance carrier that you’ve been in an accident and intend to submit a claim for benefits
- Prepare a demand letter and supply supporting evidence
- Negotiate with insurance adjusters, which may include rejecting offers and submitting counteroffers
- Have an experienced litigator resolve your dispute through arbitration or at trial, if necessary.
We can also help you deal with insurance claims denials or lowball offers.
Don’t underestimate the importance of having an experienced Philadelphia personal injury attorney represent you throughout the insurance claims process in Philadelphia, Pennsylvania. Give yourself every opportunity to get the money you deserve. Call our law firm to discuss your car accident case today. As always, your initial case evaluation is free.
Pennsylvania Requires No-Fault Coverage
There are a dozen states that have no-fault insurance rules. The Commonwealth of Pennsylvania is one of them (though it also has at-fault insurance requirements we’ll discuss below). This means that, after an accident, you’ll be required to submit a claim against your own personal car insurance policy to recover compensation. This is true regardless of who caused your car accident.
This means that you’ll be dealing with your car insurance company – at least at first. So, it will be important to know your policy limits and whether you’ve opted for limited tort or full tort insurance coverage.
What Are Pennsylvania’s Minimum Car Insurance Requirements?
Pennsylvania has some of the lowest thresholds for minimum auto insurance requirements in the United States.
Under state law, all drivers must purchase:
- Medical Benefits Coverage: $5,000 per accident
- Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident
- Property Damage Coverage: $5,000 per accident
Some car insurance companies in Pennsylvania offer a $35,000 package, which satisfies the bodily injury and property damage requirements.
Remember, these are just minimums.
You have the option of purchasing higher limits and adding on other types of coverage, including:
- Uninsured motorist coverage
- Collision coverage
- Comprehensive coverage
- Rental car coverage
- Gap coverage
- Towing coverage.
When you buy a car insurance policy in Pennsylvania, you’ll have to choose one of two types of coverage: limited tort or full tort.
Why Does it Matter If I Have Limited Tort or Full Tort Coverage?
So what’s the difference between full tort and limited tort coverage, and why does it matter?
Limited tort insurance is less expensive but offers less in terms of benefits. Pain and suffering damages, for instance, aren’t available.
It also essentially waives your right to file a lawsuit or claim against the at-fault party’s insurance company. There are limited exceptions – but you’ll have to have sustained catastrophic injuries that meet certain requirements. You will face resistance if you attempt to file a claim. Having an attorney handling your claim will increase the odds of a successful result.
Full tort insurance is more expensive but gives you more options when it comes to (a) types of damages that are available and (b) pursuing compensation from the at-fault party.
When you choose a full tort policy, your right to file a lawsuit or Philadelphia insurance claim against a third party is unrestricted.
Our attorneys will help you identify the type of coverage you have and work toward a meaningful financial recovery.
Schedule a Free Consultation With a Philadelphia Car Insurance Claims Attorney
Don’t try to navigate a complicated insurance claim on your own after a car crash in Philadelphia, Pennsylvania. Turn to the trusted Philadelphia car insurance claims lawyers at Zavodnick & Lasky Personal Injury Lawyers for help.
We’ve been helping crash victims deal with insurance companies for decades. We know how insurance companies operate and are well aware of the tricks and strategies they’ll use to get you to accept less money than you deserve. Our law firm won’t let that happen when we’re involved.
Contact our legal team to arrange a time for your free consultation today. We’re always standing by to take your call, 24/7/365.