Common Types of Car Accidents

The team of Pennsylvania car accident attorneys at Metzger Wickersham have seen all manner of vehicle accidents that were caused by a wide range of negligent behaviors. Whatever the cause of your accident, if you need a lawyer for your car accident claim, we’re here to help! Some of the most common types of car accident cases we’ve handled are:

• Drunk driving/drugged driving
• Drowsy/fatigued driving
• Hit-and-run accidents
• Rear-end accidents
• Rideshare accidents
• Speeding accidents
• Texting/distracted driver accidents
• SUV rollover accidents
• Uninsured motorist accidents

Common Causes of Car Accidents

Car accidents can occur due to a variety of factors, often resulting from human error, environmental conditions, or vehicle-related issues. Here are some of the most common causes:

• Distracted Driving: One of the leading causes, this includes activities like texting, talking on the phone, eating, or adjusting the radio while driving.
• Speeding: Driving above the speed limit or too fast for road conditions reduces reaction time and increases the severity of accidents.
• Drunk Driving: Alcohol impairs judgment, coordination, and reaction times, leading to a higher risk of accidents.
• Reckless Driving: This includes aggressive behaviors like tailgating, weaving through traffic, or running red lights.
• Weather Conditions: Rain, snow, fog, and ice can reduce visibility and make roads slippery, leading to accidents.
• Running Red Lights and Stop Signs: Ignoring traffic signals or signs is a frequent cause of intersection accidents.
• Fatigue: Drowsy driving impairs a driver’s ability to focus and react quickly, leading to accidents similar to those caused by drunk driving.
• Tailgating: Following too closely behind another vehicle leaves little room for stopping, increasing the chance of a rear-end collision.
• Improper Lane Changes: Not signaling or checking blind spots can cause collisions, especially in busy traffic.
• Defective Vehicles: Faulty brakes, tire blowouts, or other mechanical failures can lead to accidents that are beyond the driver’s control.
• Inexperienced Drivers: New or inexperienced drivers may not have the skills or confidence to handle complex traffic situations or emergencies.
• Driving at Night: Reduced visibility and fatigue often make nighttime driving more dangerous.

Each of these factors can contribute to car accidents, and in many cases, multiple causes are involved in a single crash.

Common Car Accident Injuries

Car accident injuries can vary widely in degrees of severity. All injuries – from whiplash to fractures, bruising to paralysis – may warrant compensation when they’ve been caused by someone’s negligence. With the help of Metzger Wickersham, you can see if you are eligible for compensation and pursue your rights with a team of skilled attorneys and other legal professionals. We are wholly dedicated to the success of our clients and will fight tirelessly on their behalf. Injuries suffered as a result of auto accidents can include:

• Spinal cord injury
• Brain damage
• Broken bones
• Whiplash
• Internal injuries
• Other catastrophic injuries

If eligible for compensation, you may be able to obtain damages that cover medical expenses, lost wages, and more. Our accident attorneys in Pennsylvania can present you with your legal options.

Passenger Injuries

If you were injured as a passenger in a motor vehicle accident, you may have a claim against all at-fault parties; this includes the operators of any of the cars involved in the accident. However, if you get into a car knowing that the driver is under the influence of alcohol or drugs, you may have “assumed the risk” of being in an accident.

Pedestrian Injuries

If you are injured as a pedestrian, you may be eligible for compensation for your injuries. Remember to get as much information as possible regarding the accident. Be sure to take note of the following:

• Names and contact information of witnesses
• Names and insurance information of the drivers involved

In addition, be prepared to answer questions about whether or not you followed traffic rules, used proper crossing locations, and other safety concerns. Although pedestrians often have the right of way, supporting evidence will be necessary in order to prove that the driver involved in the accident acted negligently.

Highway Accidents Involving Trucks & Commercial Vehicles

Many car accidents occur on the highway and often involve 18-wheelers or large trucks of some kind. Due to their large size and weight, trucks can pose a great risk to surrounding drivers when they are not properly maintained or safely driven. Additionally, recovering compensation after a truck accident can be incredibly complex. Protected by aggressive defense lawyers, trucking companies are reluctant to fork over compensation. In some cases, the truck driver or the truck manufacturer may also be at fault. With our help, you can fight for just compensation from the liable party.

Backed by a legacy of success since 1888, our firm can capably represent your rights. Call (888) 707-7704 to learn more about your case today. All calls are answered 24/7!

Protect Your Rights After a Car Accident

A car accident can be an upsetting and overwhelming experience. It is critical, however, to remember that you have legal rights and options for seeking compensation for your injuries and losses. Our team of skilled car accident lawyers in Pennsylvania at Metzger Wickersham is dedicated to representing our clients and guiding them through the legal system. Here are some key reasons why you should consider hiring an attorney for your car accident claim:

• Legal expertise: Our accident attorneys have extensive knowledge of Pennsylvania car accident laws and can provide you with the guidance and representation you need.
• Fair compensation: We will fight to ensure that you receive the full and fair compensation you deserve for your medical expenses, lost wages, pain and suffering, and other damages.
• Negotiation skills: We have the negotiation skills necessary to handle insurance companies and other parties involved in your case, working to secure a favorable settlement on your behalf.
• Investigation and evidence gathering: Our team will thoroughly investigate the accident, gather evidence, and consult with experts to build a strong case on your behalf.
• Peace of mind: By hiring an attorney, you can focus on your recovery and leave the legal complexities to us.

Filing a Car Accident Claim in PA

Filing a car accident claim in Pennsylvania involves several steps, particularly because Pennsylvania follows a no-fault insurance system. This means that after an accident, your own insurance company typically pays for medical bills and certain out-of-pocket losses, regardless of who was at fault. Here’s the step-by-step process:

1. Ensure Safety and Report the Accident: After an accident, make sure everyone is safe and call 911 if there are any injuries. You must report the accident to the police if it involves injury, death, or significant property damage. Exchange contact and insurance information with the other driver(s) and gather witness information if possible.
2. Gather Evidence: Collect evidence by taking photos of the accident scene, vehicle damage, and any injuries. Talk to witnesses and document their statements. Keep records of all documents related to the accident, including medical bills and repair estimates.
3. Notify Your Insurance Company: Contact your insurance company promptly to report the accident, even if it’s minor. Since Pennsylvania is a no-fault state, your Personal Injury Protection (PIP) coverage will pay for your medical expenses, regardless of who was at fault. Provide your insurance company with all relevant details and documentation.
4. File a Third-Party Claim (If Necessary): If your medical expenses exceed your PIP limits or you want to pursue compensation for pain and suffering, you may need to file a claim against the at-fault driver’s insurance. Your ability to do this depends on whether you have limited tort or full tort coverage. Limited tort restricts claims for pain and suffering unless you have a serious injury, while full tort allows these claims without restriction.
5. Work with Your Insurance Adjuster: Your insurance adjuster will investigate the accident by reviewing evidence such as police reports, medical records, and damage estimates. Once the investigation is complete, they will offer a settlement based on your coverage and the damages you’ve incurred. This is the time to negotiate the settlement if necessary.
6. Consider Legal Action: If a fair settlement isn’t reached, or if you have serious injuries and want to sue the at-fault driver, you can consider filing a lawsuit. In Pennsylvania, you have two years from the accident date to file a personal injury or property damage lawsuit. This step is usually a last resort if negotiations fail.
7. Settlement or Trial: Most claims end in a settlement, where both parties agree on compensation, and the case is closed. If a settlement isn’t reached, the case may go to trial, where a judge or jury will decide the outcome. Either way, the goal is to resolve the claim and secure compensation for your losses.

What to Expect During a Consultation with a Pennsylvania Car Accident Lawyer

When you’re considering reaching out to a Pennsylvania car accident lawyer, it’s crucial to understand what the consultation process involves. Here’s a breakdown of what you can expect:

Responsive and Flexible Meeting Arrangements

• Location Convenience: You’ll have the flexibility to choose a meeting spot that best suits your needs. Whether you prefer visiting the lawyer’s office, or if you’d feel more comfortable at your home, workplace, or hospital, arrangements can be made to accommodate your situation.
• Round-the-Clock Availability: Legal assistance doesn’t adhere to a strict schedule. Rest assured, legal teams are often available 24/7 to ensure your needs are met promptly.

Personalized Listening and Guidance

• Hearing Your Story: The consultation is your opportunity to share your experience. The lawyer will listen carefully to the details of your accident and any concerns you might have.
• Clarifying the Process: After understanding your situation, the lawyer will outline the steps they can take to help you pursue your claim. This includes explaining potential legal actions, timelines, and what you might expect moving forward.

No-Obligation Discussion

• Free Consultations: Many accident lawyers offer the initial consultation at no cost, allowing you to explore your options without financial commitment.
• Discussing Compensation: The lawyer will assess your case to determine possible compensation you might be entitled to for your injuries and damages.

Choosing to consult with a car accident lawyer can be a valuable step in securing the compensation you deserve. This process is designed to be as supportive and informative as possible, helping you move forward with confidence.

Exceptions for Full Compensation Under Limited Tort in Pennsylvania

When you’re subject to limited tort coverage in Pennsylvania, you’re generally restricted in claiming full compensation for pain and suffering. However, specific exceptions can open the door to additional compensation:

• Commercial Vehicle: If you were driving a commercial vehicle at the time of the accident, you might bypass limited tort restrictions.
• Pedestrian Incidents: Were you walking when the accident occurred? If you weren’t in a vehicle, your injuries may qualify for complete compensation.
• Motorcycle Riders: Accidents involving motorcycles are often exceptions, allowing for broader claims.
• DUI Conviction: If the driver who caused the accident is found guilty of a DUI, you can aim for full restitution.
• Unregistered Vehicle: If the vehicle responsible for the accident wasn’t registered in Pennsylvania, you’re also eligible for full compensation.
• Serious Injury: Qualifying as having a “serious injury” under Pennsylvania law means having a significant impairment. This status is critical for accessing full compensation options.
• Insurer Requirements: If your insurance company failed to provide necessary notifications or paperwork regarding your tort options, you could qualify for full compensation.

By understanding these exceptions, you can better navigate your legal options under limited tort coverage in Pennsylvania.

What is the 30 Days to Settle Program, and How Does It Help Car Accident Victims?

When you’re involved in a car accident, getting fair compensation can be a frustrating battle. Insurance companies are known to employ delaying tactics, often trying to minimize their payouts to victims. However, having legal representation significantly alters this dynamic. Statistics show that insurers are willing to pay nearly three times more when a lawyer is advocating for the victim. The 30 Days to Settle Program is designed to fast-track this process and secure rightful compensation for car accident victims. Here’s how it works:

1. Maximized Settlements: The program ensures victims demand what they truly deserve for their injuries by setting a firm timeline for insurers.
2. Clear Deadline: Once it’s time to negotiate, the insurance company receives a 30-day deadline to settle the claim. If they fail to comply, legal action is pursued promptly, eliminating prolonged negotiations.
3. Empowering Victims: This approach not only pressures insurance companies to act swiftly but also empowers victims by setting clear expectations and timelines.

By participating in such a program, car accident victims not only streamline their claim process but often receive fairer compensation far quicker than they would under typical negotiations.

Can Insurance Premiums Be Raised if You’re Not at Fault in a Crash in Pennsylvania?

In Pennsylvania, if you find yourself in an accident and you’re clearly not at fault, you might wonder whether your insurance premiums could increase. Generally speaking, state regulations protect you from facing higher premiums due to a crash in which you’re not responsible.

Key Points to Consider:

• State Regulations: Pennsylvania law generally prohibits insurance companies from hiking up your premiums if you’re not at fault. This rule is designed to ensure that responsible drivers aren’t penalized for accidents they didn’t cause.
• Fault Determination: Your insurer will need to determine who is at fault for the accident. If it’s established that you aren’t to blame, your rates should remain unchanged.
• Exceptions and Caveats: It’s important to review your specific policy details. While the law is on your side, insurance companies might have nuanced clauses. Always read the fine print and understand your policy thoroughly.
• Documentation and Evidence: Keep detailed records of the accident, including police reports and witness statements. Solid evidence supports your claim of being not at fault, safeguarding against possible disputes.

By understanding these factors, you can better navigate the aftermath of a crash and protect yourself from unfair premium increases. Make sure to communicate effectively with your insurance provider to reinforce your position.

Get Started on Your Case Today!

If you or a loved one has been involved in an accident anywhere in Pennsylvania, contact Metzger Wickersham. We can help you obtain the compensation you need to get your life back on track. We have several offices conveniently located in Harrisburg, Lancaster, Pottsville, Shippensburg, Wilkes-Barre, Williamsport, Frederick, and York. Should your injuries prohibit you from traveling to one of our locations, our car accident attorneys in Pennsylvania can schedule a time to come visit you. Receiving medical care should be your top priority after being in an accident. Even if you don’t feel hurt right away, getting checked out is important. Going to a doctor or hospital is vital not only for your health and well-being, but also to strengthen your personal injury claim.

Hire a lawyer for your auto accident that has a reputation for success. Call Metzger Wickersham at (888) 707-7704 for a free consultation. We will tenaciously fight for your rights!