A car accident lawyer in Bucks County can handle the insurance companies while you recover from your injuries. Filing a claim involves extensive paperwork, and your lawyer can communicate with insurance adjusters.
Furthermore, Pennsylvania is a “choice” no-fault state, meaning your ability to file a third-party liability claim or lawsuit depends on your choice of insurance coverage. If you chose a limited tort policy, insurers could fight to undervalue or deny your claim. A car accident lawyer with our firm can advocate on your behalf. They can take the weight of the legal process off your shoulders so you can focus on your health.
Pennsylvania’s Car Insurance Laws
One of the things that can complicate an auto insurance claim in Bucks County is the state’s insurance laws. Pennsylvania allows drivers to choose between limited tort and full tort coverage. Your choice affects the forms of coverage you can seek and could limit your right to file a lawsuit.
When you work with a lawyer, they can inform you of your rights based on the type of insurance coverage you elected and help you seek all forms of compensation available.
Limited Tort Coverage
If you opted for limited tort coverage, you would normally file a claim with your own provider. You should be able to recoup your medical expenses up to your policy limits. The minimum medical benefits coverage is only $5,000, though. You would be responsible for the difference unless your injuries meet the requirements for serious impairment under 75 Pa. C.S.A. Vehicles § 1705.
If they do, you have the option to file a third-party liability claim or personal injury lawsuit. You also have the right to seek non-economic damages, such as pain and suffering.
Full Tort Coverage
When drivers choose full tort coverage, they can seek non-economic damages regardless of the extent of their injuries. They can file a third-party claim or personal injury lawsuit to pursue their losses.
How Insurance Companies Handle Car Accident Claims
When reviewing a claim, insurance companies will consider your own policy limits. Regardless of which type of coverage you have, an adjuster may work to minimize your payout. After all, insurance companies are businesses that will protect their bottom lines.
When this happens, a car accident lawyer from our firm can handle the insurance companies for you. They can investigate your accident to help counter an adjuster’s determination of fault and protect you from bad faith practices.
Other Ways Our Car Accident Lawyers in Bucks County Can Help
Along with handling the insurance companies, a lawyer from our firm can tackle every aspect of the legal process.
Our Lawyers Can Calculate Your Damages
Our legal team can make sure you pursue fair compensation by accurately calculating your losses. Your injuries are unique, so it takes a keen eye to account for the losses they cause.
For example, your injuries may lead to ongoing medical conditions that require months or years of treatment. You don’t want to be left footing the bill because an insurance adjuster only accounted for your current medical expenses.
Long-term medical care, like physical therapy, can get costly. We can assess any settlement offer you receive to see if it would cover the treatment you need.
Our Lawyers Can Negotiate With Insurers
When it comes time to negotiate a settlement, you may not want to hassle with insurers on your own. A lawyer from our firm can handle all communications with adjusters while negotiating a fair settlement.
Our Lawyers Can Represent You in a Trial
If an insurer refuses to offer fair compensation, our Bucks County car accident lawyers can file a personal injury lawsuit on your behalf. They can gather evidence of another driver’s negligence and your injuries to argue for a verdict. They can represent you in trial and present their findings to a judge or jury.
In some cases, such as with serious injuries, our legal team may suggest beginning with legal action.
Our Lawyers Can Help You Meet Deadlines
Whether you file an insurance claim or lawsuit, deadlines will apply. If you wait too long to file, an insurer could deny your claim, or the court could dismiss your case. You could lose your chance to pursue compensation from a liable party.
Meeting deadlines can be difficult when recovering from injuries. Instead of hassling with the paperwork alone, a lawyer from our firm can submit all the necessary documents in a timely manner. Plus, they can help if an insurer delays in responding to your calls or emails, which could jeopardize your ability to file a lawsuit.
Let our Bucks County Car Accident Attorneys Handle the Insurance Companies for You
You deserve to focus on your physical recovery after a car accident. Dealing with insurance companies can be a headache, though. While you rest, our legal team can handle your case from start to finish.
We can investigate your case, calculate your damages, and fight for what you deserve. For a free consultation, call Cordisco & Saile LLC at (215) 642-2335.