Motor vehicle accidents are the leading cause of personal injury claims, as well as the top cause of accidental death. Due to the sheer force of impact that typically occurs, victims are often left with mounting medical bills, intense pain, and a feeling of uncertainty as they contemplate the best way to move forward.
Your Life Can Change in an Instant After an Accident
A car accident can have lasting effects on your health, finances, and relationships with loved ones. A driver who is distracted, drowsy, inexperienced, or intoxicated can leave you with broken bones, internal bleeding, burns, disfigurement, organ damage, or other life-altering injuries. You could be facing months of surgery and intense physical therapy—or the prospect of being permanently disabled. The strain of managing your budget without an income could leave you facing eviction, bankruptcy, or other severe hardships.
This is a scary situation to be in, but you must act strategically. Mistakes such as admitting liability, providing a recorded statement to the insurance adjuster, allowing unlimited access to your medical records, or forgoing necessary medical treatment can prevent you from obtaining a fair recovery. When you’ve suffered serious injuries due to a negligent driver, you need someone on your side who can guide you through the process of obtaining compensation and continually advocate for your best interests.
Pennsylvania’s Car Insurance System Is Unique
Negotiating with a car insurance company is never easy because their goal is to turn a profit by denying as many claims as possible. However, injured persons in Pennsylvania face special challenges.
Pennsylvania is one of only a few states with a “choice” no-fault car insurance system. If you selected no-fault coverage at the time your car insurance policy was purchased, you typically must file a claim under your own personal injury protection coverage to be compensated for medical bills and other financial losses—regardless of who caused the crash. However, if your injury claim meets certain prerequisites, you have the option of stepping outside of the no-fault process and bringing a claim directly against the at-fault driver.
If you opted out of no-fault car insurance at the time you purchased coverage, the at-fault driver’s insurance must pay for your injuries. If you are partially at-fault for the accident, your settlement is proportionally reduced by your percentage of fault—as long as you are less than 50% at-fault. If you are more than 50% at-fault, you can’t collect damages from the other party at all.
Our Personal Injury Attorney Will Protect Your Legal Rights
No one should have to deal with devastating injuries due to the negligence of another person. Heslin Law Firm has been helping auto accident victims fight for their rights for over 30 years. When you work with us to resolve your personal injury claim, we will:
- Obtain documented evidence to support your claim, such as medical records or photos of the accident scene
- Gather police reports
- Take statements from any witnesses who saw the crash occur
- Arrange for relevant expert witnesses to testify on specific aspects of your case, such as what type of care you may need for permanently disabling injuries
- Prepare a settlement demand letter to the liable party
- Negotiate with the insurance companies to obtain the maximum possible compensation
- Take the case to trial, if necessary
You Can’t Afford NOT to See a Personal Injury Accident Attorney
When you’re hurt and unable to work, it’s perfectly reasonable to wonder if hiring an accident attorney is worth the expense. However, personal injury attorneys like Gary Heslin work on a contingency fee basis. This means the fee for legal services is a percentage of the final settlement you receive. There is no upfront retainer or hourly bill involved.
The Heslin Law Firm team believes you deserve full compensation for the harm you’ve suffered. Contact our Philadelphia personal injury attorney today to schedule a free, no-obligation case review, we’ll explain your options in plain English and help you determine your next steps.
Our office is located in Philadelphia’s Mayfair neighborhood and convenient to residents of Crescentville, Lawndale, Rhawnhurst, Tacony, Holme Circle, Holmesburg, Upper Holmesburg, Morrell Park, Oxford Circle, Castor Gardens, Burholme, Bell's Corner, Normandy, Summerdale, Bustleton, Parkwood, Somerton, Fox Chase, Modena Park, Pennypack Woods, Torresdale, and Winchester Park.