A car accident can change your life in seconds. Then come the medical appointments, missed work, car repairs, and calls from insurance adjusters, and it is hard to know where to turn.
The Philadelphia car accident lawyers at Harborstone Law help injured people and their families pursue the compensation they need to move forward, throughout Philadelphia and the surrounding region.
You pay nothing unless we recover compensation for you. Your first consultation is free, and you don't need to come to our office. We can meet by phone or video.
Call 215-248-0989 or request a free consultation.
We represent people hurt in crashes on city streets, highways, and suburban roads, including:
Pennsylvania's auto insurance rules differ from those in many other states, and they can have a major effect on what you recover. Two rules matter most.
Choice no-fault insurance. Your own auto policy generally pays your medical bills and some other losses first, no matter who caused the crash. Whether you can also seek compensation for pain and suffering depends largely on whether you chose "limited tort" or "full tort" coverage when you bought your policy. Limited tort has exceptions, including for serious injuries, so have an attorney review your policy before you assume anything.
Shared fault. Pennsylvania follows a modified comparative negligence rule. Your recovery is reduced by your percentage of fault, and you generally cannot recover anything if you are found more than 50 percent at fault. Insurers know this, and they often try to shift blame onto injured drivers. Read our article on fault in Pennsylvania auto accidents to see how it works.
Depending on your case, compensation may include:
Civil litigation is what our firm does. Our attorneys have decades of combined experience, and we prepare every injury case with the same care we bring to complex commercial disputes. Moreover, your attorney will be with you every step of the way.
How long do I have to file a car accident lawsuit in Pennsylvania? Generally two years from the date of the accident. Exceptions exist, and claims against government entities, such as a city vehicle or SEPTA, can carry much shorter notice deadlines. Don't wait.
What if the other driver was uninsured? You may have a claim under the uninsured motorist (UM) or underinsured motorist (UIM) coverage on your own policy, if you purchased it. An attorney can help you pursue fair compensation from your insurer.
Do I need a lawyer for a minor accident? Not every fender bender needs one. But if you were seriously injured, if fault is disputed, or if the insurer offers a quick settlement, it is worth consulting an attorney. The consultation is free.
How much is my car accident case worth? It depends on your injuries, medical costs, lost income, the insurance coverage available, and how fault is assigned. After reviewing the facts, we can give you a preliminary assessment.
Don't face the insurance company alone. Call 215-248-0989, email us, or request a free consultation. No office visit necessary.
Harborstone Law is based in Pennsylvania with offices in Greater Philadelphia and Washington, DC.