Auto Accident Attorney in Pennsylvania
Pennsylvania is a “comparative fault” state. In Pennsylvania, every auto driver is financially liable for any accident in which they are deemed to be more than 50% at fault. Drivers are required under Pennsylvania State Law to purchase Auto Accident Insurance Liability Insurance to offset this risk.
Pennsylvania has the highest rate of road death fatalities in the United States. With Auto Insurance premiums at an all-time high and no end to the road chaos, there is plenty of work for the estimated 1,265 Auto Accident Attorneys in Pennsylvania.
Minimum Pennsylvania Car Insurance Cover
Pennsylvania auto drivers are required by State Law to hold the following auto insurance cover as a minimum: Bodily Injury Liability: $30,000 per person and $60,000 per accident. Property Damage Liability: $25,000. Personal Injury Protection (PIP): $2,500.
These are the minimum amounts required under Pennsylvania State Law and most auto insurance policy holders opt to increase their level of Auto Accident Insurance cover with the following optional Pennsylvania insurance extras
- Liability Coverage
- Collision and Comprehensive Coverage
- Medical Payments and Personal Injury Protection (PIP) Coverage
- Uninsured/Under-insured Motorist Coverage
- Mexico Coverage
- Rental Reimbursement and Towing Coverage
- Negligence Law
Who Pays in a Car Accident in Pennsylvania
Pennsylvania is a “comparative fault” State. This means you are financially liable for any accident in which you are deemed to have caused by being more than 50% at fault. If the other party is deemed to be more than 50% at fault it is their insurance policy that must pay compensation.
Depending on your level of cover you can be sued personally if an award is made against you that’s above your auto insurance policy limits
Who does an Auto Accident Attorney in Pennsylvania Sue?
Pennsylvania is a highly litigious state with the worst accident injury rates in the whole of the United States. An auto accident attorney can be hired to sue:
- another party if you believe they have caused you injury
- your own insurance company to maximize a direct compensation payout
- an auto accident attorney in Pennsylvania can also defend you against criminal charges
How many Auto Accidents in Pennsylvania
Over 3,700 people are killed in auto accidents in Pennsylvania each year, with an average year on year increase of 7.3% in motor vehicle traffic fatalities, according to the Pennsylvania State Government
The fatality rate on Pennsylvania roadways for 2018 was 1.44 deaths per hundred million vehicle miles traveled. Representing a 2.12% decrease from 2017.
254,415 persons were injured in motor vehicle accidents in Pennsylvania last year. Pedestrian fatalities totaled 699 in 2018. This is a 8.11% year on year decrease.
Road Deaths in Pennsylvania 2019
- 1 person is killed every 2 hours and 28 minutes
- 1 person is injured every 2 hours and 11 minutes
- 1 auto accident occurs every 42 seconds in Pennsylvania
- 568 motorcyclists killed in 2017. 52% were not wearing helmets
- Pennsylvania saw 565 people killed in head-on collisions in 2018.
- There were no deathless days in Pennsylvania roads last year.
- July was the deadliest month with 388 persons killed in Auto Accidents in Pennsylvania
What do you do after a car accident in Pennsylvania?
Experiencing an auto accident is a stressful time. Thoughts become irrational as the adrenaline kicks in, helping accident victims deal with these hugely stressful incidents. These are the 8 things to do immediately following an auto accident in Pennsylvania.
- Check for injuries and stay calm
- Dial 911 for the emergency services
- Do not leave the scene of the accident
- Follow police instructions but do not admit guilt or answer questions
- Gather information, shoot video and take photos
- Call your insurance company
- Follow medical instruction
- Contact an auto accident attorney in Pennsylvania
Is Pennsylvania a Litigious State for Auto Accidents
Court Cases involving an Auto Accident Attorney in Pennsylvania made up the largest share of the Pennsylvania Court system costs, according to the State Government.
There are over 1,200 Auto Accident Attorneys in Pennsylvania with specializations including
- Small vehicle accident attorney
- Truck Accident Attorney in Pennsylvania
- Pennsylvania Auto Accident Attorney Generalist
- Pennsylvania Insurance Auto Accident Attorney
- Personal Injury Attorney in Pennsylvania
- Commercial Vehicle Auto Accident Attorney in Pennsylvania
- Uber Auto Attorney in Pennsylvania
- Lyft Auto Accident Attorney in Pennsylvania
Pennsylvania Statute of Limitations in Auto Accidents
The statute of limitations for a car accident in Pennsylvania is two years from the date of the car accident (Sec. 16.003). The Pennsylvania two-year statute of limitations applies to all claims made by drivers, passengers, pedestrians, truck drivers and motorcyclists. The clock starts ticking on the day of the accident and not the day you consult an auto accident attorney in Pennsylvania.
How long does an insurance company have to settle a claim in Pennsylvania?
- Your insurance company must acknowledge your claim within 15 working days
- Within this 15 day they should request any further information from you
- Insurance companies in Pennsylvania may extend this 15 days by a further 45 days and inform you of their reason
- Generally, if an insurance company extends the 15-day time frame clients will consult an auto accident attorney in Pennsylvania.
- There is no time frame for your insurance company to settle the claim. On average it takes between 3 and six months.
- Once approved, your claim must be paid within 5 days
- If the claim involves a weather event or natural disaster a Pennsylvania insurance company may take 45 additional days to approve or deny your claim and 15 additional days to pay your claim.
- An auto accident Attorney in Pennsylvania may help speed up your compensation payout, or may delay proceedings to maximize your payout.
How much car insurance do I need in Pennsylvania?
- Bodily Injury Liability: $30,000 per person
- $60,000 per accident
- Property Damage Liability: $25,000
- Personal Injury Protection (PIP): $2,500.
These are not high minimums. In a more severe auto wreck accident, the Pennsylvania Statutory minimum insurance levels may prove to be inadequate.
If you are judged to be more than 50% at fault in a Pennsylvania car accident the other side may hire an attorney to personally sue you for any difference between their financial compensation award and the insurance policy limits.
Is Pennsylvania a no-fault state
Pennsylvania is not a no-fault state. Some states in the USA require a no-fault insurance policy, often known in Pennsylvania as PIP. Every driver in Pennsylvania is required to hold auto insurance to cover expenses for the other driver in the event of an accident.
Insurance Payout Limits in Pennsylvania for Personal Injury
Pennsylvania uses 50 percent modified comparative negligence laws, so the court decides how much each party in an accident is at fault. You can claim damages from the other party if your level of fault does not exceed theirs.
However, your damages will be also be reduced according to your apportioned level of fault.
Pennsylvania Auto Attorney Insurance Claims Rights
According to the Pennsylvania Bill of Consumer Rights (Order No. 12-0862), you have the right to be treated fairly, honesty and with respect when you make a claim. If you believe you are being treated unfairly by your insurance company, make a complaint to the TDI in Pennsylvania and consult an auto accident attorney in Pennsylvania with immediate effect.
Over 72% of Auto Accident Attorneys in Pennsylvania are hired to fight an individual’s own insurance company for a better deal.
Pennsylvania State Auto Accident Demographics
Pennsylvania (/ˌpɛnsəlˈveɪniə/ (listen) PEN-səl-VAY-nee-ə), officially the Commonwealth of Pennsylvania, is a state located in the Northeastern, Great Lakes and Mid-Atlantic regions of the United States. The Appalachian Mountains run through its middle. The Commonwealth is bordered by Delaware to the southeast, Maryland to the south, West Virginia to the southwest, Ohio to the west, Lake Erie and the Canadian province of Ontario to the northwest, New York to the north, and New Jersey to the east.
Pennsylvania is the 33rd-largest state by area, and the 5th-most populous state according to the most recent official U.S. Census count in 2010. It is the 9th-most densely populated of the 50 states. Pennsylvania’s two most populous cities are Philadelphia (1,580,863), and Pittsburgh (302,407). The state capital and its 10th-largest city is Harrisburg. Pennsylvania has 140 miles (225 km) of waterfront along Lake Erie and the Delaware Estuary.
The state is one of the 13 original founding states of the United States; it came into being in 1681 as a result of a royal land grant to William Penn, the son of the state’s namesake. Part of Pennsylvania (along the Delaware River), together with the present State of Delaware, had earlier been organized as the Colony of New Sweden. It was the second state to ratify the United States Constitution, on December 12, 1787. Independence Hall, where the United States Declaration of Independence and United States Constitution were drafted, is located in the state’s largest city of Philadelphia. During the American Civil War, the Battle of Gettysburg was fought in the south central region of the state. Valley Forge near Philadelphia was General Washington’s headquarters during the bitter winter of 1777–78.
Can someone sue you for a car accident if you have insurance in Pennsylvania?
If your insurance policy does not cover the amount awarded to the other party you may find yourself in a lawsuit regardless of whether you held car insurance. For this reason many auto accident attorneys advocate the purchase of premium cover and under-insurance ‘gap’ policies.
Do I call my insurance if it’s not my fault?
You must report any damage to your vehicle or personal injuries to yourself or others to your insurance provider immediately. Your insurance company will help file a claim against the other party and start the process of compensation.
Also contact an auto accident attorney in Pennsylvania for a Free Consultation and Claim Evaluation
How long do you have to file an accident report in Pennsylvania?
You must file an accident report with the Pennsylvania Department of Transport within 10 days of the auto accident. The report should be on form CR-2 available here and can be filed by you, your insurance company or your auto accident attorney in Pennsylvania
Do I need an Auto Accident Attorney in Pennsylvania?
An Auto Accident Attorney is not required for every case. For example, cases with minor injuries, soft tissue damage or ‘fender benders’ may not require a specialist auto accident attorney in Pennsylvania. In more severe personal injury cases you need an expert specialist attorney to protect your interests, regardless of whether you have one appointed for you by your insurance company.
Average Auto Accident Payout in Pennsylvania
The average car accident compensation settlement in Pennsylvania is $22,887 in 2018, according to the Pennsylvania bureau of Statistics. The average auto accident payout by using an auto accident attorney in Pennsylvania was $44,887.
Hit by a Drunk Driver in Pennsylvania
In the United States 32 people die every day from vehicle accidents that involve a drunk driver. A drunk driver could face criminal charges from the state of Pennsylvania and civil charges from the injured parties.
Convictions for criminal charges can result in fines, jail, rehab and community service. A civil Court case could force the drunk driver to financially compensate victims.
If you’ve been hit by a drunk driver in the State of Pennsylvania check out our list of Auto Accident Attorneys in your area who are experts at DUI auto accidents.
Pennsylvania is a pure negligence state and you are free to lodge a lawsuit against a drunk driver who caused you or a loved one personal injury.
Filing a civil lawsuit in Pennsylvania against a drunk driver will require that you prove them responsible for your injuries. An experienced auto accident attorney in Pennsylvania will need to demonstrate beyond reasonable doubt that:
- The other driver owed you a duty of safe travel as you shared the road.
- The driver breached his or her duty by an act of negligence (e.g. drunk driving).
- The driver’s negligent act caused injury to you in the form of a car accident
- The injuries caused you to suffer specific, quantifiable damages.
Take our online Compensation Checker to find out from an auto accident attorney in Pennsylvania how much compensation you could expect if you’ve been injured by a drunk driver.
What Damages can I claim for after a Pennsylvania Car Accident?
- Medical Costs
- Lost Wages
- Pain & Suffering
- Diminished Earning Capacity
- Non-economic Damages
How do I calculate Pain and Suffering in Pennsylvania
Pennsylvania uses a multiplier to work out the amount of compensation to be paid as a result of pain and suffering. For example, if your case is worth $40,000 in specific damages, but your pain and suffering has a multiplier of five for temporary brain damage, the total amount payable will be $200,000 in non-economic damages.
Will an Auto Accident Attorney in Pennsylvania increase my Pain and Suffering Payout
An experienced auto accident attorney in Pennsylvania will be instrumental in pushing up both specific damages and the pain & suffering multiplier. As can be seen in the example, both elements are key to securing the financial compensation package you deserve.
Average Whiplash Settlement in Pennsylvania
Pennsylvania does not have whiplash settlement guidelines though mild to moderate whiplash claims can result in a compensation payout from $2,500 to $10,000 worth of compensation. For severe whiplash claims in Pennsylvania, expect this figure to rise over the $22,000 level.
Can I Sue Uber or Lyft in Pennsylvania
If you’ve sustained injuries in an Uber, Lyft or other ride-sharing accident you may be entitled to financial compensation from the “at-fault” driver and their insurance company.
If your accident involved an Uber, Lyft or ride share driver who was “on-the-clock” when the accident occurred, you likely won’t make a claim on the driver’s own insurance policy. Instead, the insurance policies of the ride share companies should cover your personal injuries and damages.
Take the following steps if you’ve been involved in an accident with an Uber, Lyft or Ride share Driver either as a passenger or other road user.
- Report your Accident Immediately to Police and Uber. File an insurance claim directly with Uber.
- Seek Medical Attention. Some injuries can take days or weeks to become fully apparent and a proper diagnosis will help to strengthen your compensation case.
- Speak to an auto accident Attorney in Pennsylvania for a free consultation
Where do most Auto Accidents happen in Pennsylvania
According to the Pennsylvania Department of Transport most recorded car incidents requiring the use of an auto accident attorney in Pennsylvania happen in the following places:
(List of all areas in Pennsylvania with more than 40,000 people)
Get an Auto Accident Lawyer in Pennsylvania because the State Legal System is Complex
The Pennsylvania legal system is complex and navigating Pennsylvania personal injury law is not something which can be mastered while focusing on your own rest, recovery and rehabilitation. Using an auto accident Attorney in Pennsylvania should help reduce stress and maximize your financial compensation payout.