A Car Accident is defined in most states as any Accident Involving a Motor Vehicle. This includes Trucks, Bicycles, Pedestrians, and Motorcycles. If you were involved in an accident with a car and any of these types of vehicles including another car, then you should consult an attorney immediately. The attorneys at The Law Offices of Greg Prosmushkin, P.C. have handled thousands of accidents over the span of over twenty years. We have the expertise to navigate your case towards a successful outcome.
Navigating your way without an attorney, through the adjusters, medical providers, billings and upcoming treatment requires specialized assistance. However, here are some helpful pointers:
Who Pays My Medical Bills?
Pennsylvania and New Jersey are both known as “No-Fault” states. Each has a different system by which they pay medical bills and the laws governing Car Accidents, which is why you should consult an attorney. However, what both states have in common is that the medical bills are paid through a priority of coverages. This means that if you are insured with an automobile insurance policy, this policy is the first to bill against for medical treatment. If you do not own a car, but live with a relative, then the relative’s car insurance pays your medical bills. In Pennsylvania, the average medical benefits amount is usually up to $5,000.00; In New Jersey, it can be as high as $250,000.00 (less a $1,200.00 deductible). Once you exhaust this coverage, your private health insurance is responsible for the remaining bills and treatment. The defendant is not responsible for your medical bills if you have any of the above insurance. If you do not, the defendant is responsible for the bills but only at the end of the case.
Billing issues, payment issues, liability issues and a whole host of other road blocks are out there to prevent you from obtaining the right result. The attorneys and staff at Greg Prosmushkin, P.C. know all too well the problems that ordinary citizens encounter when they try to handle matters on their own in this area of law. We at Greg Prosmushkin, P.C. have handled thousands of such claims. Consultations are free, and we welcome your questions and issues.
What Does Limited Tort or Lawsuit Threshold Mean? I Thought That I Had Full Coverage!
Look at the declarations page of your insurance policy. This is the document you receive when you purchase insurance or renew current insurance. It looks like an itemized list of the coverages you have and how much you pay for each. If you are from Pennsylvania, the declaration page will state whether you have Full Tort or Limited Tort. If you are from New Jersey, your declaration page will state that you have a Lawsuit Threshold or No Lawsuit Threshold. These terms have nothing to do with Full Coverage. These terms dictate whether you would have to prove serious injuries or not. Full Tort and No Lawsuit threshold allow you to claim damages against the wrongdoer for anything that you suffered no matter how serious or not it is. Unfortunately, if you have chosen Limited Tort or Lawsuit threshold on your policy, you can still maintain a claim but will have to prove a serious injury. Even if you think your injury is serious, it is the insurance company that is evaluating your claim that determines seriousness and not you. For this reason alone, you should always protect yourself and choose the right tort option for your car insurance coverage.
Consult for free at The Law Offices of Greg Prosmushkin, P.C. we can help you understand your policy and make the right decision for your coverage and we will represent you even if you have chosen Limited Tort as your lawsuit threshold. Our attorneys are available for a free consultation any time.
What If the Person Who Caused the Accident Did Not Have Any Insurance or Did Not Have Enough Insurance to Compensate Me for My Injuries and Losses?
Protecting yourself if in a Car Accident is the key to making sure that you never have to worry about the other person. If you have car insurance then you need to make sure that you have coverage, even in the event the other person does not. This coverage is called Uninsured Motorist Coverage. For a small premium on your insurance, you can contract for coverage in the event the other person has none. This includes injuries caused by persons operating a stolen vehicle, includes injuries caused by a person who was an unauthorized user of an insured car, or injuries from a person whose insurance company denied coverage for any reason. Contact the Law Offices of Greg Prosmushkin, P.C. for a free consultation regarding this coverage.
If you were seriously injured, and the person who caused the injury had insurance, but not enough to compensate you for your injuries and other losses, then that person is underinsured for purposes of your claim. You can use your own insurance policy to protect yourself by paying a small additional premium for additional coverage called Underinsured Motorist Coverage. This coverage applies if the other person didn’t have enough to compensate you for your claim.
At Greg Prosmushkin P.C., we have handled hundreds of uninsured and underinsured motorist claims. Call us for a free consultation.
What Do I Do about Property Damage?
Property damage claims can be time consuming and very frustrating when handling them without the assistance of an Attorney. At Greg Prosmushkin, P.C., we assist you with your property damage needs. We determine whether you should make a claim against your own company or against the other persons company, and then we fight to make sure that you get value for your property damage. Just give us a call for a free consultation, and we will be happy to show you the proper path to take.
This content was written on behalf of Greg Prosmushkin.