If you have been injured in a vehicle accident in Philadelphia, then you may be entitled to financial compensation. As Pennsylvania is a no fault state that requires drivers to have Personal Injury Protection coverage (also known as PIP insurance), your insurer is responsible to pay not only the medical bills for yourself and your injured passengers.
However, getting the compensation that is your due is often easier said than done, as many insurance companies do not like to part with their cash, even if they are legally and/or morally obligated to do so. For this reason, you need to take a few simple precautions to ensure that you get the cash in hand that is rightfully yours.
To start with, be sure to get a personal injury lawyer who will get copies of the police report and medical bills for you and your passengers. You will also need to show pay stubs to prove how much money you earn per hour, as well as evidence noting how long you had to take off of work due to the accident. Send this evidence to your lawyer, who will send it to the insurance company when claiming medical compensation.
If you are not at fault for the accident, then a top personal injury lawyer should be retained who can get you top dollar for your pain and suffering.
Do not sign anything that an insurance company may provide you with until after you have contacted a personal injury lawyer. Signing legal documents presented by an insurance company will allow you to get some cash in hand; however, you will probably not get the full compensation that you should have received. What is more, you cannot undo the damage and go back to claim more compensation from the insurance agency.
If there is only a limited amount of damage and the insurance company is easy to work with, then you probably do not need to get legal help. However, those who are finding it difficult to get sufficient compensation should not hesitate to hire a personal injury attorney. A good personal injury attorney will work with insurance adjustors on your behalf, gather evidence to back up your claim for compensation and represent you either in court or in settlement negotiations. What is more, you do not have to pay for your legal expenses unless you win your case or agree to settle it out of court.
A car accident has the potential to completely change your life. However, you do not have to let the careless actions of another driver or the unscrupulous attorneys from one or more insurance agencies prevent you from being able to pay your medical bills, get job training and provide for your family. If you are finding it difficult to file for compensation on your own, get help from an experienced, competent personal injury attorney who can ensure that you receive the cash in hand to which you are entitled.