ATTORNEYS REPRESENTING CLIENTS IN LANCASTER & YORK, PA
Even a seemingly minor car accident can leave you injured and confronted with sudden physical, emotional and financial challenges. But don’t expect an insurance provider to offer you a fair settlement that adequately covers medical costs and other damages.
The car accident lawyers at Hagelgans & Veronis help car accident victims pursue the financial security they need to recover from their injuries and move forward with their lives. If you were hurt in a motor vehicle accident caused by a negligent driver, please call 877-454-8529 to schedule a free consultation with one of our lawyers. With offices in Lancaster, Quarryville, Mount Joy and York, we welcome clients from throughout central Pennsylvania.
Who is at Fault in a Car Accident?
One reason why it’s advisable to discuss your situation with an attorney if you suffered injury in a car accident in Pennsylvania is the state’s often-confusing “no-fault” insurance system. With no-fault insurance, injury victims turn first to their own insurance to cover medical expenses up to the personal injury protection (PIP) limit regardless of who caused the accident.
Complicating matters is that Pennsylvania drivers have the option to choose between no-fault insurance or traditional insurance, or what is legally defined as limited tort coverage or full tort coverage. The limited tort, or no-fault, option comes with a savings on premiums and allows you to recover all out-of-pocket medical expenses up to the PIP limit; however, it prevents you from recovering certain damages, such as compensation for pain and suffering, unless a catastrophic injury is present that meets one of the exceptions defined by the state.
With traditional, or full tort, insurance you are free to seek financial compensation for medical costs and other damages from the at-fault driver. Having full tort coverage also opens you up to legal action if you’re to blame for an auto accident.
Car Accidents without Insurance
Pennsylvania does not require drivers to purchase additional uninsured motorist (UM) or underinsured motorist (UIM) coverage, although motorists may choose to supplement their required car insurance coverage with these options. If you were hurt in a collision with an underinsured or uninsured driver and lack UM or UIM insurance, you have the option of taking legal action against the at-fault driver, but there is a risk that person lacks the assets to cover your claim.
UM coverage provides protection if you or your passengers suffer bodily injury in a collision with an at-fault, uninsured driver. UIM covers you and your passengers for bodily injury if you are struck by a driver who does not have substantial insurance to pay your claim. Although UM and UIM coverage may be stacked, neither option covers damage to property.
UM or UIM coverage is the best way to protect yourself in the event that you should find yourself in an accident with an uninsured or underinsured driver. Even with supplemental UM or UIM insurance, your insurance company’s initial offer may not be sufficient to cover your actual costs. If you were injured in a car accident with an uninsured or underinsured driver, it’s advisable to discuss your case with a knowledgeable injury attorney.
Car Accident Injuries
Motor vehicle accidents cause a wide range of injuries, and some injuries are not always evident immediately following the collision. It’s a good idea to receive a thorough medical exam after a collision of any significant impact, even if you don’t feel hurt.
Many car accidents result in recoverable—yet costly—bone, ligament and disc injuries. However, motor vehicle accidents remain a leading cause of severe and catastrophic injuries that include:
- Traumatic brain injuries (TBI)
- Spinal cord injuries
- Amputation injuries
- Burn injuries
The attorneys at Hagelgans & Veronis have extensive experience helping victims of life-altering injuries. Our lawyers represent only injury victims, and we understand the extreme financial impacts a severe injury can have on victims and their families.
Car Accident Settlements
The accomplished attorneys at Hagelgans & Veronis strive to achieve a fair and timely resolution on your behalf.
Our lawyers reach settlements more than 95 percent of the time without the need for our clients to set foot in a courtroom. However, we also have the resources, trial experience and tenacity to fight for you in court when settlement offers are inadequate for your needs.
Your consultation is free, and our law firm will not charge for or receive any attorneys’ fees unless we successfully resolve your case.
Car Accident Statistics
In the last full year for which statistics are available from the Pennsylvania Department of Transportation (PennDOT), there were just over 124,000 reported car accidents that resulted in more than 83,000 injuries. More than 1,200 people lost their lives in motor vehicle accidents.
PennDOT further put these figures in perspective with the following facts:
- About 340 traffic collisions occur each day in Pennsylvania; that’s about 14 crashes per hour
- Each day, three people are killed in motor vehicle crashes
- More than 220 people per day are injured in traffic accidents
- One out of every 45 people was involved in a reportable traffic crash
For the same year, the Insurance Institute for Highway Safety (IIHS) adds the sad footnote that 620 people were killed in Pennsylvania car accidents in which drunk driving played a role. While injuries and fatalities caused by drunk driving have declined in recent decades, alcohol plays a role in accidents that kill more than 10,000 people and injure more than 275,000 people nationwide each year.
If you were hurt or a family member was killed in a car accident caused by a negligent driver, please contact Hagelgans & Veronis online or call us at 877-454-8529 for your free consultation with an experienced lawyer. Our attorneys can meet you at your hospital room or home. With offices in Lancaster, Quarryville, Mount Joy and York, PA, we are proud to reach out to clients across central Pennsylvania.