Full Tort Vs. Limited Tort Insurance2020-08-12T10:44:34+00:00

Full Tort Vs. Limited Tort Insurance

Call Frischman & Rizza

877-58-FIGHT

Full Tort Vs. Limited Tort Insurance

Beginning in 1990, insurance companies were authorized to offer Limited Tort coverage in Pennsylvania to their insured drivers.

Make no mistake about it, there is a significant difference between Full Tort and Limited Tort coverage. At the time an insured driver purchases insurance coverage, he or she can choose either Full Tort or Limited Tort coverage. The option chosen can have significant ramifications. A person who has chosen Limited Tort coverage ability to pursue a personal injury claim for non-economic damages, such as pain and suffering or mental anguish. This is significant as non-economic damages often represent the largest element of damages in a personal injury claim.

Because those individuals who elect Limited Tort coverage are provided a modest premium reduction, they often elect this option without fully understanding the potential significance of doing so.

If a driver is injured in a crash due to another driver’s actions and has Full Tort coverage, he or she can sue for non-economic damages even if his or her injuries are not particularly significant. Conversely, if the same driver had elected Limited Tort coverage, he or she may not be able to pursue a claim against the responsible driver’s insurance company for non-economic damages. Even more significant is that the named insured driver on the insurance policy can bind his or her family members to Limited Tort status.

The following exceptions will convert an insured driver from Limited Tort status to Full Tort Status:

1. The person who caused the crash is convicted of a DUI or operating a vehicle under the influence of a controlled substance;
2. The person who caused the crash was operating a vehicle registered in another stated;
3. The person who caused the crash was not insured; and
4. The person who was injured in the crash suffered death or a serious impairment of a bodily function.

The most challenged of these exceptions is whether an injured person who had selected Limited Tort coverage suffered a serious impairment of a bodily function. Unfortunately, court decisions have placed a high bar on what constitutes a “serious impairment of a bodily function.” While it is important to note that the election of Limited Tort coverage does not impact an insured driver’s ability to pursue a claim for economic damages, such as lost wages or unpaid medical bills, it can have a dramatic impact on the ability to pursue a claim for non-economic damages like pain and suffering. The limitations on the ability to pursue a claim for non- economic damages for those who elect Limited Tort coverage cannot be over emphasized.

Again, non-economic damages are typically the largest element of damages in personal injury claims

Insurance FAQs

I Was Not Wearing A Seatbelt At The Time Of The Crash, Can I Still Bring A Claim?2020-08-12T10:33:18+00:00

Studies have consistently proven that seatbelts in their seats so as to minimize injuries caused by a car crash.

If not wearing a seatbelt, drivers can end up in the backseat and passengers can be ejected from the vehicle, resulting in serious injury or death. It is for these reasons alone that wearing a seatbelt is a good practice. While most people today wear a seatbelt, too many unfortunately do not.

Pennsylvania law mandates that drivers and front seat passengers wear seatbelts. Pennsylvania also has strict safety laws that require minors to be properly secured by a car seat, booster seat or seatbelt when riding in a car.

Although it is a good practice for everyone riding in a car to wear a seatbelt, you will not be precluded from pursuing a claim if you were not wearing one at the time of the crash.

What should I do if I receive a medical bill directly?2020-08-12T10:32:32+00:00

Make a copy of the bill for your records and then send it to your auto insurance claims representative. In most cases you may instruct the care provider to send the bills directly to your insurance company.

Are Prescriptions reimbursable?2020-08-12T10:30:53+00:00

Yes. If the prescription is medically necessary and directly related to injuries resulting from your motor vehicle accident then they will be reimbursed

Can I see the Medical Provider of My Choice?2020-08-12T10:29:58+00:00

Yes. as long as you are seeking car for medical treatment related to the motor vehicle accident, and it is considered reasonable and necessary, you are able to use the medical provider of your choice.

Who Pays For My Medical Treatments?2020-08-12T10:29:13+00:00

Although it seems somewhat odd, the medical benefits under your automobile insurance must be used first to pay for any treatments that you require for injuries sustained in an accident. Under Pennsylvania law you are required to have a minimum of $5,000 in medical benefits under your automobile insurance policy. While this seems to be a small amount of coverage, the law limits the amount that a health care provider can charge for treatment that is caused by injuries sustained in an automobile accident. This increases the amount of treatment that the medical benefits under your automobile insurance policy will provide to you and members of your family.

If I file a medical claim against my insurance company – will my premiums go up?2020-08-12T10:28:18+00:00

No. If you are not at fault, the insurance company cannot increase your premiums or cancel your policy.

How long will it take to conclude my claim?2020-08-12T10:40:53+00:00

It is important to understand that no two claims are the same. Much of this answer depends upon your recovery. It is not wise to enter into settlement negotiations until you have fully recovered from your injuries or reached your maximum medical improvement. Unfortunately, this often takes time. We will continue to monitor your condition and proceed as quickly as possible once the extent of your recovery becomes clear.

Should I discuss or post anything on Facebook or other social media sites?2020-08-12T10:39:57+00:00

If you have already posted something, it is important that you not take it down. However, if you have not posted anything, we strongly recommend that you not do so in the future. This is because it will be best for you to have your claim handled outside of public view.

What are uninsured motorist benefits?2020-08-12T10:39:11+00:00

These are optional benefits that you can purchase to provide a source of compensation in the event that the person who caused the accident did not have insurance.

Who Pays My Lost Wages?2020-08-12T10:38:28+00:00

For most people losing your wages can mean falling behind on mortgage payments, utility bills, and the ability to pay for basic needs. While all auto insurance policies sold on the market are required by law to provide at least $5,000 in medical benefits, there is no such minimum requirement for lost wage benefits. However, Lost Wage benefits are an optional offering from most insurance companies and we will work with you to determine whether you have the ability to make a claim for these benefits.

Can I get a rental car while my car is being fixed?2020-08-12T10:37:40+00:00

It is possible that you may be entitled to a rental car. However, there are no clear answers to this question as it depends on the individual circumstances of both parties.

What is the difference between Full Tort and Limited Tort Insurance?2020-08-12T10:36:51+00:00

In Pennsylvania, if you chose full tort coverage, you have the right to chose to pursue a claim for all damages permitted by law. If you chose limited tort coverage, it is possible that your ability to pursue a claim for certain damages may be limited.

Things To Do After Being Involved In A Car Crash

Most drivers and passengers do not know what to do after being involved in a car crash. What you do after a car crash potentially can have a significant impact on your claim. Here is a list of several key things a driver or passenger should do after being involved in a car crash.

CALL FOR HELP – The first thing you should do is call 911 so that the police and medical help are summoned to the scene.

ASSESS FOR INJURIES – First assess for injuries in your car and offer assistance, as required and possible.  After you have assessed the occupants in your vehicle, offer assistance to others involved in the crash.

COLLECT INFORMATION – The following information should be gathered for every driver and car involved in the crash:

  • Name, address, phone numbers and Driver’s License Number of the other drivers.
  • Vehicle make, model and year of the other cars.
  • License plate number of the other cars.
  • Insurance carrier and policy number of the other cars.

[This information can be easily obtained and preserved with your cell phone camera.]

IDENTIFY WITNESSES – Obtain the name, address, phone numbers and email addresses for all witnesses to the crash.

OBTAIN PHOTOGRAPHS OF THE SCENE – Take photographs of your car and any other car involved in the crash.  If possible, take photographs of the cars in their resting positions after the crash and before they are moved. Take photographs of skid marks, debris on the road and damage done to the utility poles, fences etc. If possible, take photographs from different directions and angles.

REPORT THE ACCIDENT TO YOUR INSURANCE COMPANY – It is important for you to contact your insurance company and report the crash.  When doing so, explain exactly how the crash occurred, the damage to your car and the other cars.  Also describe the extent of your injuries.

TAKE PHOTOGRAPHS OF YOUR INJURIES – A picture can be worth a thousand words.  As time passes, bruises will fade, cuts will heal, and other injuries will resolve.  One of the best ways to document your injuries and how long they took to heal is by taking photographs.

SEEK MEDICAL TREATMENT – If you were injured in the crash, you should immediately seek medical treatment.  Tell your medical providers how the crash happened and let them know where you are experiencing pain.  It is also important that you follow through with your doctor’s medical recommendations.

CONTACT AN EXPERIENCED CAR ACCIDENT LAWYER – Handling a car crash can be confusing.  Consult an experienced car crash lawyer and let him or her handle the legal aspects of your claim while you focus on recovering from your injuries.

Things Not To Do After Being Involved In A Car Crash

Just as important as those things a driver or passenger should do after a car crash are those things which they should not do.  Unfortunately, mistakes made by drivers and passengers injured in a car crash can hurt their claim. The following is a list of those things that a driver and passenger should not do after being involved in a car crash.

DO NOT GIVE A RECORDED STATEMENT TO THE OTHER DRIVER’S INSURANCE COMPANY- While you must cooperate fully with your insurance company, you have no obligation to provide a recorded statement to the other driver’s insurance company.  No matter how nice the adjuster might be, it is important to remember that they are not there to help you.  Instead, their goal is to obtain information to help their insured, the driver of the other car involved in the crash.  Statements you make during a recorded conversation, no matter how innocent or unintended, can result in you receiving less compensation.

DO NOT SIGN A RELEASE –No matter how tempting, you should not sign a release with other driver’s insurance company until you have spoken to an experienced car crash lawyer.  It is very likely that a settlement offer from the other driver’s insurance company shortly after the crash occurred will be for much less money than the actual value of your claim.  The initial call to most law firms, like our firm, is free. As a result, make sure you consult an experienced car crash lawyer before signing away your rights.

WAITING TO SEEK MEDICAL TREATMENT – A number of injury victims wait to seek medical treatment, hoping their pain will go away.  If you delay in seeking medical treatment, it will permit the other driver’s insurance company to argue that you were not injured seriously since you did not seek immediate medical care.

NOT FOLLOWING YOUR DOCTOR’S ADVICE – It is essential for you to follow through with your doctor’s recommendations for treatment.  One of the biggest mistakes accident victims make is to ignore their doctor’s recommendations for treatment.

DO NOT POST ANYTHING ON SOCIAL MEDIA – If you have already posted information about the crash or your injuries, do not remove the post.  However, if you have not yet posted anything, DO NOT DO SO. It is important for you to remember that your claim is no one else’s business.  You should assume that anything you post on social media will ultimately become available to the other side. Similarly, you should be very cautious about discussing any aspect of your claim with anyone other than close family members, your insurance company, your healthcare professionals and your lawyer.

DO NOT FAIL TO OBTAIN IMPORTANT INFORMATION – As indicated in the list of things “TO DO” after being involved in a car crash, make sure you obtain information about the other drivers and cars involved in the crash.  The information needs to include the other driver’s name, address, Driver’s License Number and insurance information.

NEVER ADMIT FAULT – Even if you believe that you had some fault for causing the crash, you should never admit responsibility.  Fault can be a complicated issue that depends upon the physical evidence, scientific principles, and what other witnesses saw.  This is not something that you should attempt to figure out by yourself, especially right after the crash occurred, when you are understandably shaken up.

NEVER LEAVE THE SCENE – If you are involved in a car crash, do not leave the scene before the police arrive.

Injured & Need an Attorney?
Call Craig and Bernie!

The Call Is Free

The Consultation is Free

We Don’t Charge A Penny Unless We Win Your Case!

Toll Free: 877-58-FIGHT
Local: 412-247-7300

OUR LOCATION

Frischman & Rizza
7300 Penn Ave, Pittsburgh, PA 15208
(412) 247-7300

GET IN TOUCH

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Full Tort Vs Limited Tort Insurance

[/vc_column_text][vc_column_text]Beginning in 1990, insurance companies were authorized to offer Limited Tort coverage in Pennsylvania to their insured drivers.

Make no mistake about it, there is a significant difference between Full Tort and Limited Tort coverage. At the time an insured driver purchases insurance coverage, he or she can choose either Full Tort or Limited Tort coverage. The option chosen can have significant ramifications. A person who has chosen Limited Tort coverage ability to pursue a personal injury claim for non-economic damages, such as pain and suffering or mental anguish. This is significant as non-economic damages often represent the largest element of damages in a personal injury claim.

Because those individuals who elect Limited Tort coverage are provided a modest premium reduction, they often elect this option without fully understanding the potential significance of doing so.

If a driver is injured in a crash due to another driver’s actions and has Full Tort coverage, he or she can sue for non-economic damages even if his or her injuries are not particularly significant. Conversely, if the same driver had elected Limited Tort coverage, he or she may not be able to pursue a claim against the responsible driver’s insurance company for non-economic damages. Even more significant is that the named insured driver on the insurance policy can bind his or her family members to Limited Tort status.

The following exceptions will convert an insured driver from Limited Tort status to Full Tort Status:

1. The person who caused the crash is convicted of a DUI or operating a vehicle under the influence of a controlled substance;
2. The person who caused the crash was operating a vehicle registered in another stated;
3. The person who caused the crash was not insured; and
4. The person who was injured in the crash suffered death or a serious impairment of a bodily function.

The most challenged of these exceptions is whether an injured person who had selected Limited Tort coverage suffered a serious impairment of a bodily function. Unfortunately, court decisions have placed a high bar on what constitutes a “serious impairment of a bodily function.” While it is important to note that the election of Limited Tort coverage does not impact an insured driver’s ability to pursue a claim for economic damages, such as lost wages or unpaid medical bills, it can have a dramatic impact on the ability to pursue a claim for non-economic damages like pain and suffering. The limitations on the ability to pursue a claim for non- economic damages for those who elect Limited Tort coverage cannot be over emphasized.

Again, non-economic damages are typically the largest element of damages in personal injury claims.[/vc_column_text][vc_row_inner][vc_column_inner width=”1/3″][/vc_column_inner][vc_column_inner width=”1/3″][ult_team team_img_grayscale=”off” img_hover_eft=”” image=”id^2345|url^https://frlawpa.com/wp-content/uploads/2015/10/Craig-and-Bernie-ALone-e1495205378476.png|caption^null|alt^null|title^Craig and Bernie ALone|description^null” name=”Frischman & Rizza” pos_in_org=”Firm Partners”][/ult_team][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=”1/3″ shadow_types=”large” css=”.vc_custom_1585861698710{background-color: #0558c4 !important;}”][vc_column_text]

Meet Craig Frischman

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Auto Accident FAQs

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Insurance FAQs

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_toggle title=”If I file a medical claim against my insurance company – will my premiums go up?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]No. If you are not at fault, the insurance company cannot increase your premiums or cancel your policy.[/vc_toggle][vc_toggle title=”Who Pays For My Medical Treatments?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]Although it seems somewhat odd, the medical benefits under your automobile insurance must be used first to pay for any treatments that you require for injuries sustained in an accident. Under Pennsylvania law you are required to have a minimum of $5,000 in medical benefits under your automobile insurance policy. While this seems to be a small amount of coverage, the law limits the amount that a health care provider can charge for treatment that is caused by injuries sustained in an automobile accident. This increases the amount of treatment that the medical benefits under your automobile insurance policy will provide to you and members of your family.[/vc_toggle][vc_toggle title=”Can I see the Medical Provider of My Choice?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]Yes. as long as you are seeking car for medical treatment related to the motor vehicle accident, and it is considered reasonable and necessary, you are able to use the medical provider of your choice.[/vc_toggle][vc_toggle title=”Are Prescriptions reimbursable?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]Yes. If the prescription is medically necessary and directly related to injuries resulting from your motor vehicle accident then they will be reimbursed.[/vc_toggle][vc_toggle title=”What should I do if I receive a medical bill directly?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]Make a copy of the bill for your records and then send it to your auto insurance claims representative. In most cases you may instruct the care provider to send the bills directly to your insurance company.[/vc_toggle][vc_toggle title=”What is the difference between Full Tort and Limited Tort Insurance?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]In Pennsylvania, if you chose full tort coverage, you have the right to chose to pursue a claim for all damages permitted by law. If you chose limited tort coverage, it is possible that your ability to pursue a claim for certain damages may be limited.[/vc_toggle][/vc_column][vc_column width=”1/2″][vc_toggle title=”Can I get a rental car while my car is being fixed?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]It is possible that you may be entitled to a rental car. However, there are no clear answers to this question as it depends on the individual circumstances of both parties.[/vc_toggle][vc_toggle title=”Who Pays My Lost Wages?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]For most people losing your wages can mean falling behind on mortgage payments, utility bills, and the ability to pay for basic services. While all auto insurance policies sold on the market are required by law to provide at least $5,000 in medical benefits, there is no such minimum requirement for lost wage benefits. However, Lost Wage benefits can be purchased and we will work with you to determine whether you have the ability to make a claim for these benefits.[/vc_toggle][vc_toggle title=”What are uninsured motorist benefits?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]These are optional benefits that you can purchase to provide a source of compensation in the event that the person who caused the accident did not have insurance.[/vc_toggle][vc_toggle title=”Can I make a claim if I was not wearing a seat belt?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]Yes. You should always wear your seat belt as it is the law. However, insurance benefits will payout even if you were not wearing a seat belt at the time of the accident.[/vc_toggle][vc_toggle title=”How long will it take to conclude my claim?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”]It is important to know that no two claims are the same.  Much of this answer depends upon your recovery. It is not wise to enter into settlement negotiations until you have fully recovered from your injuries or reached your maximum medical improvement.  Unfortunately, this often takes time.  We will continue to monitor your condition and proceed as quickly as possible once the extent of your recovery becomes clear.[/vc_toggle][vc_toggle title=”Should I discuss or post anything on Facebook or other social media sites?” custom_google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” use_custom_heading=”true”] If you have already posted something, it is important that you not take it down.  However, if you have not posted anything, we strongly recommend that you not do so in the future.  This is because it will be best for you to have your claim handled outside of public view.[/vc_toggle][/vc_column][/vc_row][vc_row bg_type=”bg_color” bg_color_value=”#ffffff”][vc_column][vc_single_image image=”6617″ img_size=”200×200″ alignment=”center”][vc_column_text]

Important Guidelines For After An Accident

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THINGS TO DO AFTER BEING INVOLVED IN A CAR CRASH

Most drivers and passengers do not know what to do after being involved in a car crash. What you do after a car crash potentially can have a significant impact on your claim. Here is a list of several key things a driver or passenger should do after being involved in a car crash.

CALL FOR HELP – The first thing you should do is call 911 so that the police and medical help are summoned to the scene.


ASSESS FOR INJURIES – First assess for injuries in your car and offer assistance, as required and possible.  After you have assessed the occupants in your vehicle, offer assistance to others involved in the crash.


COLLECT INFORMATION – The following information should be gathered for every driver and car involved in the crash:

  • Name, address, phone numbers and Driver’s License Number of the other drivers.
  • Vehicle make, model and year of the other cars.
  • License plate number of the other cars.
  • Insurance carrier and policy number of the other cars.

[This information can be easily obtained and preserved with    your cell phone camera.]


IDENTIFY WITNESSES – Obtain the name, address, phone numbers and email addresses for all witnesses to the crash.


OBTAIN PHOTOGRAPHS OF THE SCENE – Take photographs of your car and any other car involved in the crash.  If possible, take photographs of the cars in their resting positions after the crash and before they are moved. Take photographs of skid marks, debris on the road and damage done to the utility poles, fences etc. If possible, take photographs from different directions and angles.


REPORT THE ACCIDENT TO YOUR INSURANCE COMPANY – It is important for you to contact your insurance company and report the crash.  When doing so, explain exactly how the crash occurred, the damage to your car and the other cars.  Also describe the extent of your injuries.


TAKE PHOTOGRAPHS OF YOUR INJURIES – A picture can be worth a thousand words.  As time passes, bruises will fade, cuts will heal, and other injuries will resolve.  One of the best ways to document your injuries and how long they took to heal is by taking photographs.


SEEK MEDICAL TREATMENT – If you were injured in the crash, you should immediately seek medical treatment.  Tell your medical providers how the crash happened and let them know where you are experiencing pain.  It is also important that you follow through with your doctor’s medical recommendations.


CONTACT AN EXPERIENCED CAR ACCIDENT LAWYER – Handling a car crash can be confusing.  Consult an experienced car crash lawyer and let him or her handle the legal aspects of your claim while you focus on recovering from your injuries.[/vc_column_text][/vc_tta_section][vc_tta_section i_icon_fontawesome=”fa fa-times” add_icon=”true” title=”What NOT To Do After An Accident” tab_id=”1571187028259-3ece5553-36ad1586271502983″][vc_row_inner][vc_column_inner][vc_column_text css=”.vc_custom_1571186642579{background-color: #f4a09a !important;}”]

THINGS NOT TO DO AFTER BEING INVOLVED IN A CAR CRASH

Just as important as those things a driver or passenger should do after a car crash are those things which they should not do.  Unfortunately, mistakes made by drivers and passengers injured in a car crash can hurt their claim. The following is a list of those things that a driver and passenger should not do after being involved in a car crash.

DO NOT GIVE A RECORDED STATEMENT TO THE OTHER DRIVER’S INSURANCE COMPANY – while you must cooperate fully with your insurance company, you have no obligation to provide a recorded statement to the other driver’s insurance company.  No matter how nice the adjuster might be, it is important to remember that they are not there to help you.  Instead, their goal is to obtain information to help their insured, the driver of the other car involved in the crash.  Statements you make during a recorded conversation, no matter how innocent or unintended, can result in you receiving less compensation.  


DO NOT SIGN A RELEASE – no matter how tempting, you should not sign a release with other driver’s insurance company until you have spoken to an experienced car crash lawyer.  It is very likely that a settlement offer from the other driver’s insurance company shortly after the crash occurred will be for much less money than the actual value of your claim.  The initial call to most law firms, like our firm, is free. As a result, make sure you consult an experienced car crash lawyer before signing away your rights.


WAITING TO SEEK MEDICAL TREATMENT – a number of injury victims wait to seek medical treatment, hoping their pain will go away.  If you delay in seeking medical treatment, it will permit the other driver’s insurance company to argue that you were not injured seriously since you did not seek immediate medical care.


NOT FOLLOWING YOUR DOCTOR’S ADVICE – it is essential for you to follow through with your doctor’s recommendations for treatment.  One of the biggest mistakes accident victims make is to ignore their doctor’s recommendations for treatment.   


DO NOT POST ANYTHING ON SOCIAL MEDIA – if you have already posted information about the crash or your injuries, do not remove the post.  However, if you have not yet posted anything, DO NOT DO SO. It is important for you to remember that your claim is no one else’s business.  You should assume that anything you post on social media will ultimately become available to the other side. Similarly, you should be very cautious about discussing any aspect of your claim with anyone other than close family members, your insurance company, your healthcare professionals and your lawyer.


DO NOT FAIL TO OBTAIN IMPORTANT INFORMATION – as indicated in the list of things “TO DO” after being involved in a car crash, make sure you obtain information about the other drivers and cars involved in the crash.  The information needs to include the other driver’s name, address, Driver’s License Number and insurance information.


NEVER ADMIT FAULT – even if you believe that you had some fault for causing the crash, you should never admit responsibility.  Fault can be a complicated issue that depends upon the physical evidence, scientific principles, and what other witnesses saw.  This is not something that you should attempt to figure out by yourself, especially right after the crash occurred, when you are understandably shaken up.


NEVER LEAVE THE SCENE – if you are involved in a car crash, do not leave the scene before the police arrive. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_tta_section][/vc_tta_tour][/vc_column][/vc_row][vc_row bg_type=”grad” bg_grad=”background: -webkit-gradient(linear, left top, left bottom, color-stop(0%, #FAC235), color-stop(97%, #E8A909));background: -moz-linear-gradient(top,#FAC235 0%,#E8A909 97%);background: -webkit-linear-gradient(top,#FAC235 0%,#E8A909 97%);background: -o-linear-gradient(top,#FAC235 0%,#E8A909 97%);background: -ms-linear-gradient(top,#FAC235 0%,#E8A909 97%);background: linear-gradient(top,#FAC235 0%,#E8A909 97%);”][vc_column][vc_column_text]

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Client Testimonials

[/vc_column_text][vc_column_text][a-excited-testimonials id=”6480″][/vc_column_text][row_separator separator=”curve-side1″ scale=”.4″ color1=”#ffeb3b” color2=”#f4c238″ color3=”#004e75″][row_separator location=”bottom” separator=”curve-side1″ flip=”1″ scale=”.4″ color1=”#ffeb3b” color2=”#eacc35″ color3=”#004e75″][row_scroll entrance=”content-fade”][/vc_column][/vc_row][vc_row bg_type=”image” enable_overlay=”enable_overlay_value” overlay_color=”rgba(56,56,56,0.65)”][vc_column width=”1/2″ offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs”][vc_tta_accordion color=”peacoc” gap=”15″ active_section=”1″ hover_anim=”grow” collapsible_all=”true”][vc_tta_section title=”If I file a medical claim against my insurance company – will my premiums go up?” tab_id=”1487687275691-7183a632-3b781547148621114″][vc_column_text]No. If you are not at fault, the insurance company cannot increase your premiums or cancel your policy.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Who Pays For My Medical Treatments?” tab_id=”1487687275860-b15914fa-9fe71547148621114″][vc_column_text]Although it seems somewhat odd, the medical benefits under your automobile insurance must be used first to pay for any treatments that you require for injuries sustained in an accident. Under Pennsylvania law you are required to have a minimum of $5,000 in medical benefits under your automobile insurance policy. While this seems to be a small amount of coverage, the law limits the amount that a health care provider can charge for treatment that is caused by injuries sustained in an automobile accident. This increases the amount of treatment that the medical benefits under your automobile insurance policy will provide to you and members of your family.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Can I see the Medical Provider of My Choice?” tab_id=”1487687276031-86a9eb24-f6441547148621114″][vc_column_text]Yes. as long as you are seeking car for medical treatment related to the motor vehicle accident, and it is considered reasonable and necessary, you are able to use the medical provider of your choice.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Are Prescriptions reimbursable?” tab_id=”1487687276216-632aa9d3-1bda1547148621114″][vc_column_text]Yes. If the prescription is medically necessary and directly related to injuries resulting from your motor vehicle accident then they will be reimbursed.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What should I do if I receive a medical bill directly?” tab_id=”1487687276393-c0699977-4c741547148621114″][vc_column_text]Make a copy of the bill for your records and then send it to your auto insurance claims representative. In most cases you may instruct the care provider to send the bills directly to your insurance company.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What is the difference between Full Tort and Limited Tort Insurance?” tab_id=”1487687276575-2b0ebd24-91371547148621114″][vc_column_text]In Pennsylvania, if you chose full tort coverage, you have the right to chose to pursue a claim for all damages permitted by law. If you chose limited tort coverage, it is possible that your ability to pursue a claim for certain damages may be limited.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][vc_column width=”1/2″ offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs”][vc_tta_accordion color=”sky” gap=”15″ active_section=”1″ collapsible_all=”true”][vc_tta_section title=”Can I get a rental car while my car is being fixed?” tab_id=”1487261391392-2e59036d-f3241547148621114″][vc_column_text]It is possible that you may be entitled to a rental car. However, there are no clear answers to this question as it depends on the individual circumstances of both parties.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Who Pays My Lost Wages?” tab_id=”1487261428442-ef0d8cb4-63cf1547148621114″][vc_column_text]For most people losing your wages can mean falling behind on mortgage payments, utility bills, and the ability to pay for basic services. While all auto insurance policies sold on the market are required by law to provide at least $5,000 in medical benefits, there is no such minimum requirement for lost wage benefits. However, Lost Wage benefits can be purchased and we will work with you to determine whether you have the ability to make a claim for these benefits.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What are uninsured motorist benefits?” tab_id=”1487261462541-a9d820aa-f8f71547148621114″][vc_column_text]These are optional benefits that you can purchase to provide a source of compensation in the event that the person who caused the accident did not have insurance.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Can I make a claim if I was not wearing a seat belt?” tab_id=”1487261546229-a834a732-327b1547148621114″][vc_column_text]Yes. You should always wear your seat belt as it is the law. However, insurance benefits will payout even if you were not wearing a seat belt at the time of the accident.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How long will it take to conclude my claim?” tab_id=”1487261586413-a4ae9945-14e31547148621114″][vc_column_text]It is important to know that no 2 claims are the same.  Much of this answer depends upon your recovery. It is not wise to enter into settlement negotiations until you have fully recovered from your injuries or reached your maximum medical improvement.  Unfortunately, this often takes time.  We will continue to monitor your condition and proceed as quickly as possible once the extent of your recovery becomes clear.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Should I discuss or post anything on Facebook or other social media sites?” tab_id=”1487261617647-bfb05c24-e1ee1547148621114″][vc_column_text] If you have already posted something, it is important that you not take it down.  However, if you have not posted anything, we strongly recommend that you not do so in the future.  This is because it will be best for you to have your claim handled outside of public view.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row][vc_row bg_type=”image”][vc_column css=”.vc_custom_1569847386076{background-color: rgba(30,115,190,0.64) !important;*background-color: rgb(30,115,190) !important;}” offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm vc_hidden-xs”][ultimate_heading main_heading_color=”#ffffff” main_heading_font_family=”font_family:Roboto|font_call:Roboto” main_heading_style=”font-weight:bold;” main_heading_font_size=”desktop:48px;”]

Stages of a Personal Injury Claim

[/ultimate_heading][icon_timeline timeline_style=”jstime” tl_animation=”tl-animation-slide-up”][icon_timeline_feat time_title=”Investigation” title_font_size=”desktop:30px;”]Obtain the Police Report, if one is prepared.

Investigate the cause of the accident by collecting evidence and obtaining witness statements.

You should not contact or speak with the other driver’s insurance company before speaking with an attorney.[/icon_timeline_feat][icon_timeline_item time_title=”Contact All Responsible Insurance Companies” title_font_size=”desktop:30px;” desc_font_size=”desktop:18px;”]It is essential that we promptly notify your insurance company and the insurance company for the person who caused the accident.  It is important to understand that the other driver’s  insurance company does not represent you. Therefore, it is best for us to handle all of the communications concerning your claim.
Make sure that you do not sign anything or provide a statement before speaking with us.[/icon_timeline_item][icon_timeline_item time_title=”Track Medical Bills” title_font_size=”desktop:30px;” desc_font_size=”desktop:18px;”]

Under Pennsylvania law your automobile insurance company will pay for medical treatments directly arising as a consequence of your accident.  This is true even when the accident is not your fault. We will help you establish a medical claim with your automobile insurance carrier and make certain that your medical bills are paid.  The last thing that you need to worry about is collection notices.

[/icon_timeline_item][icon_timeline_feat time_title=”Evaluate Your Injuries and Damages” title_font_size=”desktop:30px;” desc_font_size=”desktop:18px;”]Our team of lawyers will obtain and review your medical records and work with your doctors to help understand how your injuries may affect you in the future. We will also work with you to help quantify any lost wages or out of pocket expenses you incur to make certain that those items are properly considered when establishing the value of your claim. Fortunately, the vast majority of cases are settled without the need to file a lawsuit.[/icon_timeline_feat][icon_timeline_item time_title=”Filing of a Lawsuit” title_font_size=”desktop:30px;” desc_font_size=”desktop:18px;”]Sometimes filing a lawsuit is necessary.  If we file a lawsuit for you, rest assured that our firm has the experience and the resources to handle your lawsuit.[/icon_timeline_item][/icon_timeline][/vc_column][/vc_row][vc_row full_width=”stretch_row” bg_type=”image” parallax_style=”vcpb-default” bg_image_new=”id^5107|url^https://frlawpa.com/wp-content/uploads/2018/12/grey-columns.jpg|caption^null|alt^null|title^grey columns|description^null” enable_overlay=”enable_overlay_value” overlay_color=”rgba(61,61,61,0.83)”][vc_column][ultimate_heading main_heading=”Injured & Need an Attorney? Call Craig and Bernie!” main_heading_color=”#ededed” heading_tag=”h1″ sub_heading_color=”#f08c02″ spacer=”line_only” spacer_position=”middle” line_height=”1″ main_heading_font_family=”font_family:Roboto|font_call:Roboto” main_heading_style=”font-weight:bold;” main_heading_font_size=”desktop:36px;” sub_heading_font_family=”font_family:Roboto|font_call:Roboto” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:28px;”]

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 We Don’t Charge A Penny Unless We Win Your Case!

Toll Free: 877-58-FIGHT
Local: 412-247-7300

[/ultimate_heading][vc_column_text]Our law firm understands that recovering from an accident that was not your fault is a long process. Physical injuries must heal, emotional scars must heal, even mental anguish must heal before you or a loved one can experience a full life again. We see beyond the settlement to what it means – a way for you to regain your independence. [/vc_column_text][vc_btn title=”Free Case Consultation” style=”3d” color=”primary” size=”lg” align=”center” i_icon_fontawesome=”fa fa-comments-o” css_animation=”fadeInUp” add_icon=”true” link=”url:https%3A%2F%2Ffrlawpa.com%2Fabout%2F|||”][/vc_column][/vc_row][vc_row][vc_column][/vc_column][/vc_row]

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