No matter what you know about on-road safety, you are never ready to deal with the shock of a car accident. Auto collisions and crashes are not unusual in Pennsylvania, but people often get compensated for injuries and losses. Pennsylvania has a unique system when it comes to auto insurance. Drivers can choose if they want to go for a no-fault insurance policy. If you had done so, you would file a claim with your insurer, regardless of who caused the accident. You can sue the at-fault driver if you have “limited tort” or “full tort” insurance. All of these can sound confusing, which is why you need to lawyer up soon after the accident. Philadelphia, PA personal injury attorneys can help you evaluate the true worth of your claim. Here is an overview for your help.
When your injuries are severe
After a car accident, your immediate step should be seeking medical care. Remember that injuries and pain may not seem apparent right after the crash because you have an adrenaline rush. Do not wait to see an injury doctor or call 911 from the accident scene. If your injuries are severe or have caused disfigurement or permanent damage, your eventual settlement for the personal injury claim would be higher. Let an attorney check the basic details and give you an overview of what you can expect from the case.
When there is shared fault
If the other driver was negligent and responsible for the accident, the outcome is usually simple. If you have tort coverage, you can sue them for your losses. What happens when you share fault for the accident? Pennsylvania follows the modified comparative fault rule, where you can only sue the other driver when you are less than 50% at fault. Also, your eventual settlement will not be the same. Your fault will determine what you get from the awarded amount. It is natural for the other party to deny their role, and you don’t want to take the blame for the accident. Insurance companies also have their tactics to deny and delay claims.
Get an attorney on your side immediately after the crash. Most attorneys take personal injury cases on a contingency basis, which means they get paid after you win a settlement. You have no reason to deal with the stress and aftermath of the case on your own. Your lawyer can help you negotiate a fair settlement for the endured losses.