Month: October 2013

What if the driver of the car leaves the scene of the accident? Call the police immediately. Under Pennsylvania law to collect uninsured motorist benefits (UM) from your own insurance company, the accident must have been reported to the police. Even if you do not think that you have been injured by the hit and

Should I sign the settlement agreement waiver sent to me from the other driver’s insurance company? No. It is never a good idea to sign any documents relating to an auto accident without first consulting a lawyer. By signing the settlement agreement, you are bringing your case to an end, which means you can no

Who should pay to fix my car after an accident? Pennsylvania is a no fault state, which means that your insurance company regardless of whether you are at fault or not must pay to repair your car and pay your medical bills up to the limits of coverage. If you did not cause the accident

What is subrogation and why should I care about it? Subrogation is an insurance term which refers to the insurance companies right to stand in your shoes and recover the money they paid to you from the at fault driver in the car or truck accident. Pennsylvania is a “no fault” state, which means that

What is the most important thing I should do if I get into a car accident? Call the police IMMEDIATELY. Far too often, people think that an accident is just a minor fender bender and there is no need to contact the police, but there are two significant problems with this line of thinking. First,

Who pays for my medical bills in a car accident? In a car accident, typically your car insurance company will pay your medical bills under what is commonly referred to as PIP benefits. You should be careful because PIP coverage under you car insurance has a limit that in many cases is $5,000.00. In comparison,

What does the term auto insurance stacking mean? When you own more than one car or truck, you can increase you insurance coverage limits on your Uninsured (UM) and Underinsured motorist through a “stacking.” Auto insurance stacking refers to the adding of the UM/UIM limits on individual auto policies to increase the total amount of

What’s the difference between Limited Tort and Full Tort Auto Insurance Policies? Limited Tort and Full Tort refer to different types of coverage under an auto insurance policy and what compensation you are entitled to receive if you are injured in an auto accident. With a Limited Tort auto insurance policy, you give up the

What are Underinsured/Uninsured motorist benefits? In Pennsylvania, all drivers are required by law to have auto insurance. Unfortunately, even though it is illegal to drive without auto insurance in Pennsylvania, many people still do it. Uninsured motorist coverage typically referred to as UM coverage, protects you and your family in the event that you and