Car Accident Frequently Asked Questions
If you have been injured in a car accident, you may have a lot of questions. Likely, many of your questions are the same ones we’ve gotten from clients time and again. The answers to the frequently asked questions below may help you better understand your rights and entitlements under Pennsylvania personal injury law.
I was injured as a passenger in an auto accident. I don’t have insurance of my own because I don’t own a car. Is there any compensation for my medical expenses?
Yes. A lot will depend on the faces of the case, but at a very minimum, if there is no other coverage available on the car you were riding in as a passenger, you will be entitled to make a claim under the “Pennsylvania Assigned Claims Plan,” which will allow you to recover up to $15,000 including medical expenses and other damages. There are various criteria for eligibility, and the stipulations are complicated. There also may be liability coverage available on either the car you were in or the vehicle that was involved in the accident with the car you were in. If the car you were in is insured and you meet the eligibility requirements, that car’s insurance could be a source of payment of your medical expenses at a minimum. You should seek DiSandro & Malloy, PC’s help to determine the direction that your claim would go.
The insurance adjuster assigned to my claim wants a recorded statement. Should I talk to him/her?
You are under no legal obligation to give an insurance adjuster a recorded statement without a lawyer present or before you have had the opportunity to consult with your lawyer. If you give a recorded statement, some of your own words may be used against you if you pursue a car accident claim. If an insurance adjuster is pushing you to give a statement, seek legal counsel from DiSandro & Malloy, PC.
The insurance company of the driver who hit me says my claim is not covered because the accident was my fault. What can I do?
To effectively fight an insurance company’s denial of your car accident claim, you should hire an experienced car accident attorney. DiSandro & Malloy, PC have years of experience building effective cases, which includes helping to prove that another party was liable for your accident. If an insurance company is making getting compensation difficult, your chances of success are greatly improved with skilled representation.
How much is my car accident claim worth?
Every car accident claim is different. While property damage calculations are fairly straightforward, calculating the cost—physical and emotional—of your car accident-related injuries and losses is not. To determine fair compensation, speak to an experienced car accident attorney at DiSandro & Malloy, PC.
Do I have to go to court if I want more than the settlement the insurance company is offering?
At DiSandro & Malloy, PC, we do everything we can to spare our clients the expense of going to trial, but if going to court is what it takes to get you fair compensation, then that’s what we’ll do.
Do You Have Additional Questions?
The circumstances, claims and eligible compensation for each car accident are different. To get answers to questions about your specific Philadelphia, PA car accident case, please contact the attorneys at DiSandro & Malloy, PC. For assistance selecting insurance coverage, click here.