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Understanding Accidents and Pennsylvania Insurance

When you are involved in a motor vehicle accident in Pennsylvania, it is important to understand car insurance laws and what your insurance will cover. Whether you have been seriously injured or you have suffered substantial property damage, your insurance policy and the insurance policy of the other party in the accident may determine the level of compensation that you will receive.

There are two different types of car insurance policies that drivers may have in Pennsylvania - 'Full Tort' and 'Limited Tort'. A driver with a 'Full Tort' policy may recover fully for any injuries or property damage that is suffered in a Pennsylvania car accident. This includes medical bills, lost wages, pain and suffering, car rental fees, vehicle damage and any other damages that can be attributed to the motor vehicle accident. It is more difficult to recover damages under a 'Limited Tort' policy.

At Saile & Saile LLP, we understand car insurance laws and can help you get the compensation that you need to fully recover from your accident. Insurance companies are in business to make money, not to pay out large settlements. Consequently, they may attempt to settle your case for a much lower amount than you deserve. Our firm will negotiate with the insurance companies on your behalf and will fight for your rights.

Insurance Laws in Pennsylvania and New Jersey

The law firm of Saile & Saile LLP represents drivers from Pennsylvania and New Jersey who have been involved in a car or motor vehicle accident. Many times, our lawyers represent drivers from Pennsylvania who have been involved in an accident in New Jersey and want to know how their Pennsylvania insurance will handle an out-of-state accident and personal injury.

Pennsylvania drivers with 'Full Tort' insurance who get into an accident in New Jersey will automatically be covered under New Jersey's 'verbal threshold' policy, which is equivalent to a 'Limited Tort' policy in Pennsylvania. On the other hand, drivers in New Jersey who have a 'verbal threshold' policy will generally be covered under a 'Full Tort' policy in Pennsylvania.

Contact our Langhorne, Bucks County office for a free initial consultation, where we will discuss your situation and your options. Call us locally at 215-375-7897 or toll free at 877-213-7865.

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