Though car accidents happen every day in Westmoreland County, no one is ever actually prepared for the events that follow a serious collision. In the days and weeks after an accident, your mind can flood with fear and anxiety over who will pay for the damage and what actions you should take to protect your health and financial well-being.
By visiting our website, you are taking an important step in recovering from your car accident. Our firm has over 40 years of experience in handling car accident claims. We have successfully recovered millions of dollars for our clients and their families for the injuries they suffer as a result of someone else’s negligence.
While many drivers know they can rely on their auto insurance to cover some of the costs of an accident, few know the legal protections the State of Pennsylvania affords them when they incur severe harm. Berger and Green can inform you of your rights and guide you through the complicated process of seeking compensation for the full extent of your losses.
If you would like a car accident lawyer to evaluate your Westmoreland County car accident at no cost, please call us today at 412-661-1400 to schedule an appointment. The sooner you take action, the better it will be for your claim.
Filing a Car Accident Claim in Pennsylvania
Because Pennsylvania follows choice no-fault insurance rules, the process for filing a car accident claim is different than filing a claim in any other state.
In Westmoreland County, either your insurance company or the other driver’s insurance company will pay for your damages. In some cases, you may need to file a lawsuit in court to receive full and fair compensation after a crash.
Pennsylvania has two basic types of insurance coverage: full tort and limited tort. Depending on which type of coverage you have at the time of your car accident, you could receive compensation for your medical bills, damage to your vehicle, lost wages, and other financial losses. If you have full tort coverage, you can also recover special damages such as pain and suffering and loss of consortium.
An accident attorney at Berger and Green can help you determine which insurance company is responsible for paying you and will help you file a proper claim.
How can an accident attorney help me?
Insurance companies are large, for-profit organizations. They are not in business to pay every claim that enters through their doors. Instead, they will attempt to settle your claim quickly and for as little money as possible. This situation is true even if you are dealing with your insurance company.
Each year, thousands of drivers unknowingly forfeit their right to maximum compensation by accepting the insurance company’s first settlement offer. Do not let this happen to you. Before you communicate with the insurance company or sign any forms, consider meeting with an attorney at our firm who has a thorough understanding the claims process. We know how to valuate claims and negotiate settlements that cover the full extent of our clients’ damages. Additionally, we do not shy away from taking a case to trial when negotiations do not go our way.
How much compensation could I receive by filing a claim?
The exact amount of your award will vary based on the severity of your accident. Fair compensation should cover the full extent of your damages including the cost to repair your vehicle and other property marred in the accident, existing and future medical expenses, and lost wages. You might also be eligible for pain and suffering, which can dramatically increase your award amount.
Under Pennsylvania law, all insurers must provide certain minimum coverages. These minimums are as follows:
- $5,000 in Medical Benefits: Even if you were at fault for the accident, under Pennsylvania’s choice no-fault insurance laws, you could still recover at least $5,000 in coverage from your insurer for medical costs.
- $15,000/$30,000 in Bodily Injury Liability (BIL).
- $5,000 in Property Damage Liability (PDL).
How soon should I file my claim?
The quicker you take legal action against the party responsible for your accident, the better it will be for your case. Since the burden of proof falls on you, you will want to start gathering evidence to support your claim as soon as possible. Our firm can play a critical role in assembling the necessary medical records and witness statements to build a strong case.
Other advantages to meeting with an attorney and filing a claim right after the accident include:
- The facts surrounding the event will be fresh in your mind and the minds of the police officers, emergency responders, and eyewitnesses.
- Evidence, such as damage to vehicles and skid marks on the road from breaking will still be available.
- You protect your right to maximum compensation.
Under Pennsylvania law, you have, at most, two years after the time of the crash to file a claim. This timeframe is called the Statute of Limitations. If you file a claim after the statute of limitations has expired, the law may reject your claim and bar you from recovering any damages.
Speak with a Car Accident Lawyer at No Cost
Time is critical during the first week after a motor vehicle accident. Consider taking advantage of our firm’s free initial consultation. We would be happy to answer your questions and provide our professional opinion about your case. By working with our firm, the insurance company will have to answer to us if they try to deny your claim or offer you a low-ball settlement.
We can file your forms and respond to all of the insurance company’s requests. Doing so prevents you from taking any actions that can cause irreparable damage to your case. Call Berger and Green today at 412-661-1400 to schedule an appointment.