Know Your Rights When It Comes to Accidents
DON’T GIVE UP YOUR RIGHTS TO RECOVER MONEY DAMAGES IF YOU ARE INJURED IN AN AUTOMOBILE ACCIDENT
Philadelphia law firm Segal, Berk, Gaines & Liss is willing and able to review your automobile insurance coverage with you for free so that you understand the type of insurance coverage you have. We’re on hand to answer any questions that you may have on the car accident insurance compensation you’re entitled to, and more, in a free consultation.
Your Car Insurance Rights
Your insurance policy is a contract that also informs you of your car insurance rights as the insured party. You have a right to file a claim. You are entitled to a full investigation of the accident scene and any evidence that supports your claim. You also have the right to fair compensation. If you were an innocent victim because of someone else’s reckless behavior, you have the right to claim compensation either from their insurance company or your own. This is why it is important to have a firm understanding of your automobile insurance coverage.
In Pennsylvania, if you’re responsible for an accident, you may not be able to claim any car accident insurance compensation from the other driver’s insurance. Your Personal Injury Protection (PIP) will pay your medical bills regardless of who is at fault, depending on the coverage you select. $5,000 is the minimum require, but you can purchase a higher amount.
Your personal injury attorneys can help you understand your automobile insurance document.
The Declaration Page
Make it a priority to have a thorough understanding of your automobile insurance coverage. Take a look at your insurance policy, focusing on the page where your coverage amounts are listed. This is your insurance Declaration Page, which includes details about the levels of coverage you can receive, deductions (if applicable), the drivers who are covered under your plan, and the price of each kind of coverage that you have.
It should also include a synopsis of your car insurance rights, a schedule of coverage, the coverage limits, deductibles, and premiums for each vehicle covered under your policy, the period your policy is in effect, and any discounts or surcharges that apply to your account.
Understanding the Declaration Page
Before filing a claim with your insurance, speak to your car accident attorney because you need a thorough understanding of your automobile insurance coverage. Look at your Declaration Page; these very important coverage options should be included in your policy:
- FULL TORT: This differs from LIMITED TORT in that with full tort, you can sue for both economic and non-economic damages. With limited tort, your ability for accident recovery is restricted to “serious injury,” although your insurance premiums will be lower with limited tort.
- LIMITED TORT
- UNINSURED MOTORIST COVERAGE
- UNDERINSURED MOTORIST COVERAGE
- STACKING
- INCOME LOSS
- COLLISION & COMPREHENSIVE
- GAP INSURANCE
Consult an Automobile Accident Lawyer
We’re committed to helping you get compensated for your injuries after a car accident. Segal,
Berk, Gaines & Liss will work with you to make sure you have a good understanding of your automobile coverage insurance and your rights in the event of a car accident. Call Segal, Berk, Gaines & Liss today for a free consultation and get the car accident insurance compensation you deserve.
