Insurance companies are businesses, and they need to turn a profit. Paying out large sums of money to injured victims does not help their profits. While most players in the industry deal fairly and appropriately with accident victims, sometimes there may simply be an honest difference of opinion about how much money, if any, is owed to a victim. Pushing back may work in your favor.
You may be able to recover for not only your physical injuries and/or property damage, but also for other expenses. Recoveries very often include:
- Medical bills and future medical expenses (if able to be estimated);
- Lost wages and earning capacity;
- Household services such as a home health aid (if you are disabled, you may have to hire help for yourself or to handle the day-to-day running of your home);
- Loss of consortium (deprivation of normal marital relations); and
- Pain and suffering, depending on the cause of action.
Remember The Details
When you engage the services of The Pearce Law Firm, P.C., you can trust us to be aware of the little details that might escape notice. For example, we know that in Pennsylvania, drivers have a choice of “limited tort” or “full tort” insurance. If limited tort is chosen, unless the accident causes a serious injury to you, your insurance company will pay your lost wages and medical bills, and the other driver’s will pay theirs. You will not be able to receive pain and suffering or other non-economic damages if you chose limited tort for non-serious injuries. You can only recover against the other driver and bring a lawsuit if you suffered a “serious injury.” There are also other exceptions to limited tort. You need to talk with an experienced attorney who can determine whether you have a viable claim.
Another important detail is the statute of limitations. A statute of limitations is a law that sets a maximum time limit for filing a lawsuit, and they are necessary because after certain periods of time, memories begin to fail. It is simply not practical to permit lawsuits to be brought after years have passed, because it would often descend into a “he said, she said” situation. In Pennsylvania, the statute of limitations on most personal injury claims is two years, meaning that you have two years from the date of your accident to file suit against the defendant or defendants who caused the accident.. Beyond that, your claim will be barred (prevented from going forward).
Personal Service Matters
When you need an attorney, one of the most important things for most people is to not feel like a number. The Wallingford, PA personal injury attorneys at The Pearce Law Firm, P.C. will treat you like a person. We will always keep you in the loop. We have insider experience with insurance companies and defense firms, so we can turn some of the tricks of the trade to your advantage. Contact our Philadelphia office today for a free initial consultation.