If you or someone you care about has been seriously injured in a Pennsylvania auto accident, workplace mishap or a slip and fall incident, the personal injury attorneys at Kanner & Pintaluga are here to help you navigate these challenging times. Our Pennsylvania personal injury attorneys have the knowledge, experience and client-oriented work ethic you’ll want representing your interests. We won’t rest until the at-fault party is held accountable for your injuries.
Injuries can turn your life upside down, leaving you to cope with not just physical pain but also the emotional and financial burdens that follow. In Pennsylvania, where life moves quickly and demands resilience, an unexpected injury can significantly set back your health and the financial stability of your family.
The team at Kanner & Pintaluga has seen thousands of families rocked by these awful situations, and we’re acutely aware of just how much you might need full compensation to move on with your life. We help our clients find solutions to the current financial issues they face due to their injuries and tirelessly pursue justice and maximum financial recovery.
Pennsylvania allows drivers to choose between “Limited Tort” and “Full Tort” auto insurance. Choosing Limited Tort typically means a lower premium but restricts the right to seek compensation for pain and suffering unless the injuries meet a “serious injury” threshold. Full Tort coverage costs more but does not restrict the ability to sue for pain and suffering.
This can seem a little backwards to some drivers since what you pay influences your ability to pursue full compensation from someone else. How much you spend doesn’t affect your own liability protection, which is typically how auto insurance works.
In other words, if you have limited tort coverage and you cause a crash with someone who has full tort coverage, they can sue you for pain and suffering damages. If fault is disputed in the crash and you pursue a claim against the other driver, you would not be able to sue them for pain and suffering damages.
Pennsylvania has slightly more stringent auto insurance requirements than some states. Drivers registered in the state are legally required to carry $15,000 per person/$30,000 per accident bodily injury liability coverage, $5,000 property damage liability coverage and mandatory $15,000 per person/$30,000 per accident uninsured motorists coverage.
Most states do not require drivers to carry uninsured motorist coverage, but it can be a nice thing to have. Without it, any accident you are involved in with an uninsured driver may result in you paying for all your medical costs and property damage yourself – unless you also have collision coverage.
The financial implications of an injury are immediate – from medical bills and rehabilitation costs to lost wages if you’re unable to work. In Pennsylvania, where many individuals may not have adequate health insurance coverage, these costs can become overwhelming.
Furthermore, the emotional toll of an injury can be just as debilitating as the physical pain. Coping with both can strain your personal relationships, negatively affect your ability to care for your family and reduce your overall quality of life.
Insurance companies are often more focused on their bottom lines than on providing fair compensation to injury victims. They often employ underhanded tactics to minimize the payouts, such as disputing your claim’s validity or underestimating the severity of your injuries.
In some cases, insurance companies may draw out the investigation or claims process to make you anxious. They know you may need money as soon as possible to cover the medical debt, living expenses and car repairs you need to move on with your life. If they wait long enough, you may become desperate and be willing to accept a smaller payout.
Before you give up hope and let the insurance company win, you may want to consider contacting experienced Pennsylvania auto accident lawyers.
We put your interests first and provide committed, client-oriented service. At Kanner & Pintaluga, we’re dedicated to pairing you with an experienced Pennsylvania personal injury attorney who will put your needs first and pursue the strategy that has the greatest likelihood of reaching a positive outcome. We don’t shy away from trials if the insurance company isn’t willing to reach a fair negotiated settlement and will aggressively pursue the maximum recovery you deserve.