Car Accident Attorneys in Philadelphia, PA
Car accidents are frightening, painful, and can leave you with serious concerns about your future. Fortunately, if you were injured in an auto accident, you do not have to go down without a fight. The experienced legal team at Spear Greenfield is here to get you the medical care you need and the financial compensation you deserve. As Philadelphia auto accident attorneys, we protect personal injury victims throughout Pennsylvania. Our firm has over 100 years of combined experience representing those who have been seriously injured in car accidents. We will strive for nothing less than the maximum compensation. In fact, our firm once recovered nearly $3 million for one of our car accident clients who trusted us to represent his best interests, and we are ready to put up that same fight for you. Give us a call to learn more about how we can help you through the legal process going forward. Contact Spear Greenfield today.
No-Fault Law in Pennsylvania
What is no-fault insurance? Like many states, Pennsylvania has a no-fault insurance plan. However, unlike many states, they are a “choice no-fault state,” so drivers are permitted to opt-out of no-fault coverage. This means that those who opt-out will not have their immediate medical bills and lost wages covered by their policy. Those who opt-out will be able to choose whether they want limited tort coverage or full tort coverage. Limited tort allows drivers to pursue economic damages only after an accident while full tort allows drivers to pursue both economic and noneconomic damages after an accident.
What to do After a Car Accident
If you are involved in a car accident, it can be very easy to remain in a state of shock, especially if you have sustained serious injuries. However, if you have a plan in place, you may maximize your chances of recovering financial compensation in a future personal injury claim. That being said, as long as you are physically capable of doing so, ensure you take the following steps after a car accident:
- Call the police. They will document the accident upon arrival, as well as send an ambulance that will transport you to a hospital for treatment.
- Ask the other motorist for his or her insurance information. Be polite, however, keep conversation to a minimum, and do not say “sorry.” If you do, the other driver may use this as proof against you, even if the accident was truly his or her fault.
- Take pictures of the scene of the accident, including damage to your car, damage to the other motorist’s vehicle, and any damage to property. Additionally, if you have sustained injuries, you can photograph those as well.
- Ask anyone who witnessed your accident for their contact information. This can include their phone number, email, business card, or any other means by which you may contact them in the future so they can corroborate your claim.
- After an ambulance arrives and you are treated at the hospital, ensure you do not leave without asking your doctor for any medical documentation regarding the origin and extent of your injuries.
- Retain the services of an experienced, aggressive New Jersey personal injury attorney who knows how to gather and present evidence on your behalf. In many cases, we can subpoena certain forms of hard-to-obtain evidence, such as security camera footage to prove your claim and win you the compensation you deserve and need to get back on your feet again.
- Once you file your personal injury claim, ensure you stay away from social media. Oftentimes, insurance companies will monitor your accounts to see if you post anything that even remotely contradicts your claim. If you do, they may use it against you, even if they have to take it out of context, and try and deny you the compensation you truly deserve. Do not let this happen.
Dealing With Insurance Companies After an Accident
First, you should understand that in most cases, you should not speak to insurance adjusters right away. The insurance companies are not there to protect you. Instead, they will try to settle claims as cheaply as possible. If they get to you before your injuries have developed or before your treatment has been completed, they will surely undervalue your claim. The legal team at Spear Greenfield is here to protect you and we can help you with all your concerns going forward. After an accident, contact our firm. Taking on the insurance companies of insured people that cause injury to our clients, we handle a variety of cases including wrongful death and dram-shop cases.
Accidents With Uninsured Motorists in Pennsylvania
There are few things more stressful than a bad car accident, however, if you were hit by an uninsured motorist, you may fear that an already-complex process just became even more so. Fortunately, the state of Pennsylvania offers uninsured or underinsured motorist coverage. Simply put, generally, when you are injured or your car is damaged in an accident, the other motorist’s insurance company will pay. However, rather obviously, you cannot sue the other motorist’s insurance company if he or she does not have one. By purchasing UM insurance, you can actually file a claim against your own insurance company and have your medical bills taken care of that way. Though all insurance companies in Pennsylvania are required to offer UM insurance, motorists are not required to purchase it and may sign a “Rejection of Uninsured Motorist Protection” waiver that essentially states you were offered the coverage but decided not to take it. That being said, it is generally the best policy to purchase this insurance, for you never know when you will need it.
Will my Case Have to go to Trial?
One of the most common questions our firm receives is whether a case will have to go to trial. Many of our clients are pleased to learn that in most cases, the answer is “no.” Instead, we strive to achieve a favorable settlement before ever having to take your case to court, and over 90% of the time, this is what happens. However, if we believe we can achieve a more desirable settlement by taking your case to trial, we are prepared to do so. No matter how your case proceeds, bear in mind that our firm will always have your best interests at heart. There is nothing more important than your health, which is why we are ready to fight, tooth-and-nail, to protect it.
Recovering Compensation After an Accident
Many people who have been injured in a car accident do not realize the full potential of funds and benefits to which they are entitled. You can have attorneys by your side, who will guide you throughout the process, and make sure you get the full compensation you deserve. Don’t forget, if you need to sue, your time is limited. Every state has a statute of limitations in place to designate the length of time individuals have to take legal action against the party that caused their injuries. Since the statute of limitations for personal injury claims in Pennsylvania, is, generally, two years, you will, generally, have two years from the date of your accident to sue for your injuries. Some types of compensation that the law requires your insurance company to pay include:
- Medical coverage to compensate the medical professionals treating your injuries
- Property damage coverage to repair your vehicle or pay you its value if totaled
- Lost wage coverage to pay you for time missed from work
- Compensation that is not paid by insurance that covers you or the car you are in
Preparing For Your Initial Consultation With an NJ Personal Injury Attorney
Of course, our job as attorneys is to win you the compensation you need. However, there are several things you can do to help ensure this happens. Below, you will find a list of all the information you should bring, if possible, to your initial consultation with our firm.
- A written description of how the accident and your injuries occurred.
- The police report documenting the facts of your accident.
- The names and contact information of anyone who witnessed your accident.
- All medical records regarding the origin and extent of your injuries.
- When you receive medical treatment, you will receive a bill or receipt. Ensure you keep this information and bring it to your personal injury attorney who can then use it to prove that you suffered significant financial loss as a result of the accident.
- Any photos or videos taken of the accident and your resulting injuries.
- Your insurance information, including your health insurance, auto insurance, renter or homeowner policies.
- Any correspondence you may have had with the negligent party or their insurance company, such as letters, phone calls, emails, and more.
- Any additional questions you may have for your personal injury attorney.
Contact a Philadelphia Car Accident Attorney
If you have been seriously injured in a car accident, you need a legal team on your side that has what it takes to protect your interests. The legal team at Spear Greenfield has over 100 years of combined experience representing clients throughout Philadelphia after they have been injured in an accident that was caused by the negligence of another party, and they are ready to put this experience to work for you. If you need a team of attorneys who will put you first, and guide you through every step of the claims process, contact Spear Greenfield today to schedule a consultation.