After a car accident in Pittsburgh, you can file an AAA insurance claim to seek compensation for a variety of losses if either you or a driver in the collision was insured by AAA. You may also file a personal injury lawsuit against the driver who hit you or another liable party.
Our firm can handle your case either way. We can investigate your accident, calculate your damages, and fight for fair compensation. We offer free consultations so you can understand your legal options.
What does My AAA Insurance Policy Cover?
AAA offers both liability insurance as well as first party coverage:
Liability coverage covers damages that a victim of a negligent driver incurs.
There are also several types of first party coverage that may benefit the victims of the collision including the vehicle owner, the driver and any passengers. This first party coverage may include:
- Medical payments coverage
- Uninsured motorist and underinsured motorist coverage
- Property damage liability coverage
- Collision coverage
- Comprehensive coverage
The potential compensation depends on the policy you, your host driver or the at fault driver selected. If you are unsure what your policy covers, you can call AAA or log into your account on their website to see the details of your coverage.
What Types of Damages Can I Claim?
You may be able to recover your medical expenses, compensation for your injuries, and repairs for property damage up to your policy’s limits. According to the Pennsylvania Insurance Department, you must carry a minimum of:
- $5,000 for medical benefits, which covers medical bills regardless of who is at fault for the accident
- $15,000 for bodily injury liability per person
- $30,000 total bodily injury liability per accident
- $5,000 for property damage
If you selected full tort coverage, you can also seek awards for pain and suffering if someone else caused your accident. You are also entitled to full tort coverage if you do not have insurance of your own because you do not own a vehicle which is required to be registered or if you are a pedestrian or bicyclist. There are other instances where someone who chose limited tort coverage can still recover pain and suffering which a Berger and Green attorney would be happy to discuss with you.
Under limited tort coverage, you can only do this if your loved one died or your injuries are severe, such as extensive disfigurement or impairment. Pa. C.S.A. § 1705 defines the qualifications for this exception.
For a free legal consultation, call 412-661-1400
Filing an AAA Insurance Accident Claim in Pittsburgh
If you are a AAA insured or passenger in a AAA insured vehicle, you can either call the number on the back of your AAA insurance card or log into your account to file your car accident claim. Make sure you contact your insurer as soon as possible after an accident. If you are the victim of the negligence of a AAA insured, you will need to utilize the information contained on the at fault driver’s insurance card (which should have been exchanged at the scene or noted in a police report).
If you delay filing your claim, an adjuster may undervalue or deny it.
Giving a Statement
If you are asked by the insurance company to give a statement and plan to hire an attorney, ask to defer any requested statements until you speak with an attorney. If you do not plan to hire an attorney, when you speak to the insurance adjuster, they may ask for a recorded statement. Whether or not giving a statement is advisable depends on a number of factors. If you provided a statement, stick to the facts.
Our lawyers can help if an insurer tries to undervalue or deny your claim. We can conduct our own investigation to counter their findings if necessary.
Seeking Medical Attention
Prompt medical treatment is important to optimize your recovery and to support your case. See a doctor as soon as possible. Medical documentation can show how the accident caused your injuries and estimate ongoing treatment costs.
Refusing medical assessment and treatment may cause an insurer to deny your claim or offer you less than you deserve.
Filing a Personal Injury Lawsuit
If you cannot receive fair compensation through your AAA insurance accident claim, you have another option. You can file a personal injury lawsuit against the liable party and seek a court-award.
We can tailor a legal strategy to suit your specific situation. If we file a lawsuit on your behalf, we can handle all the paperwork and communications with the liable party and their attorney. You won’t have to deal with their defense attorneys or worry about making a clerical error.
You Have a Deadline When Filing a Lawsuit
According to Pa. C.S.A. § 5524, an adult generally has two years from the accident date to file a personal injury lawsuit, which must be promptly and correctly served as well. If you miss this deadline, the court could dismiss your case and you may lose your chance to hold a liable party responsible.
It takes time to build a case. Two years may seem like a long time, but gathering evidence and negotiating with insurers can take a while.
We can get to work immediately after your free consultation to help you meet this deadline. Still, the sooner you call, the better.
We Work on a Contingency-Fee Basis
When you work with Berger and Green, you don’t have to worry about upfront fees or hourly rates. We work on contingency, so we only take our fee from a settlement or verdict we win on your behalf.
You should not have to risk further financial losses to access legal representation. We advocate for victims of negligence, and we aim for fair compensation.
You can discuss your accident during a free, no-obligation consultation. We can then explain what our legal team can do for you.
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Call Berger and Green Before Filing Your AAA Insurance Accident Claim in Pittsburgh
Before you file your claim, consider working with Berger and Green. We can help you learn more about your legal options. Call us at (412) 661-1400.