Car Accident Attorney Serving Philadelphia, Bucks, & Montgomery County

If you’ve been injured in a car accident, you could be facing not just physical and emotional recovery, but also the daunting task of dealing with medical bills and lost wages. A common question many of our clients at Gregg Durlofsky Law Offices ask is, “Will car insurance pay for a personal injury claim?” Understanding how car insurance works in the context of personal injury claims can help you navigate this complex area and secure the compensation you deserve.

Understanding Car Insurance Coverage

First, it’s important to know what type of coverage is involved in car insurance policies:

1. Liability Insurance: This covers damages for injuries and property damage the policyholder causes to others. If another driver caused your accident, their liability insurance would typically be responsible for compensating your injuries.
2. Personal Injury Protection (PIP): Some states require this coverage, also known as “no-fault” insurance. PIP can cover your medical expenses and lost wages regardless of who caused the accident. The coverage limits, however, can vary, and it might not cover all your costs.
3. Uninsured/Underinsured Motorist Coverage: This comes into play if the at-fault driver does not have insurance or does not have enough insurance to cover your damages. This policy can help cover the gap between your costs and what the at-fault driver’s insurance can pay.

Factors Affecting Insurance Payouts

Several factors can influence how much insurance will cover in a personal injury claim:

• The severity of your injuries: More severe injuries usually result in higher medical bills and potentially larger insurance payouts, but they also can reach the policy limits more quickly.
• Policy limits: Every insurance policy has limits, which can sometimes be reached before all your costs are covered. Understanding these limits is crucial in determining how to approach your claim.
• Fault and liability: Determining who is at fault in the accident significantly affects how insurance companies handle claims. In “at-fault” states, the driver who caused the accident (and their insurance) is typically responsible for paying damages. In “no-fault” states, your own insurance may cover your injuries up to a certain limit, regardless of who caused the accident.

Why You Might Need Legal Assistance

Navigating the claims process with insurance companies can be challenging. Insurance providers often seek to minimize payouts, and understanding the nuances of insurance law is crucial to ensuring you get fair compensation. Here’s why hiring our car accident attorney can be beneficial:

• Evaluating Your Claim: An experienced attorney can help assess the full extent of your claim, considering not just current medical bills but also future medical expenses, lost earning potential, and pain and suffering.
• Negotiating with Insurance Companies: Personal injury attorneys are skilled in negotiating with insurance companies to ensure you receive a fair settlement.
• Legal Representation: If a satisfactory settlement cannot be reached, a lawyer can represent you in court, advocating on your behalf to ensure your rights are protected.

Schedule Your Free Consultation With Our Car Accident Attorney Serving Philadelphia, Bucks, & Montgomery County Today

At Gregg Durlofsky Law Offices, we understand the stress and uncertainty that come with being injured in a car accident. Our experienced team is here to guide you through the process of filing a personal injury claim, dealing with insurance companies, and ensuring that you receive the compensation you need to recover and move forward with your life. If you’ve been injured and are unsure about how your car insurance or the at-fault driver’s insurance will cover your injuries, contact us today for a free consultation.