Injured?

Injured?
Experienced Pennsylvania Injury Lawyers since 1994

Saturday, January 21, 2012

Will the Insurance Company Pay for Wage Loss after an Accident?




In Pennsylvania, if you lost income or wages due to being in an accident, you can recover. First, say you were in a car accident in Collegeville or Pottstown or Limerick on Route 422 or Route 100 or elsewhere, and it was someone else's fault. you woull have two possible sources of recovering lost wages. You should first check with your own insurance company. If you have wage loss coverage on your own policy (sometimes called "no fault" or "first party" coverage), then you can apply for the wage loss as you lose it. You will need to get proof of your earnings (maybe a W-2 or paystubs from before the accident) and a doctor's note of disability. The advantage of having it on your own policy is that you can get reimbursed as the wage loss happens. It is true that the at-fault person's insurance company would owe you for wage loss-- but they generally won't pay it to you until the end of the case or without a release. If you are having ongoing symptoms, injuries or other losses, you want to be very careful abut signing anything which could affect your rights. If you have any questions, you want to contact an experienced personal injury lawyer.

Wednesday, January 4, 2012

Car Insurance in Pennsylvania Basics To Stay Protected


AUTO INSURANCE COVERAGE: SOME BASICS


Some items that you may want to check for when buying or renewing your car insurance:

• Full Tort (not Limited Tort)

• Underinsured Motorist/Uninsured Motorist Coverages (UIM/UM)
(Protects you and your family against the other drivers on the road. Acts as excess liability coverage for you if another driver at-fault has insufficient or no liability insurance)

• Medical Coverage
(“No fault”. Regardless of whose fault, your medical covers you up to the coverage limits)

• Wage Loss Coverage
(Also “No fault”. Inexpensive. Advantage: Pays wage loss as you lose it).

• Stacking
(When you have more than 1 vehicle on your policy. Inexpensive. Advantage:
Multiplies your UIM/UM coverage by number of vehicles on policy)

• Read your Policy / “Declarations Page”!