GENERAL CAR INSURANCE LAW INFORMATION
At Kats, Jamison & Associates, we are a comprehensive law firm that cares for the client with a track record of multi-million dollar settlements and verdicts. We will represent you with humanity, humility and honor, regardless of your case size.
Real Automobile Accident Cases Won
For a 9 year old Northeast Philadelphia boy who suffered traumatic brain injuries after being hit by a truck as he crossed the street.
$3.5 MILLION AWARD
From a Chester County jury to a nurse and mother of two after she was seriously injured when she was rear-ended by a National waste disposal truck.
Settled in 7 months for responsible party’s policy limits and under-insured motorist policy limits
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Real Car Accident Stories
Why Choose Philly Lawyers
A Team Dedicated To Getting You ResultsOur team is made of many experienced attorneys specializing in a variety of different practice areas. Whatever you need help – the Philly Lawyers team is here to help!
We Speak Your LanguageWe are able to assist you with your legal needs and speak to you in your native language. Our staff of attorneys are fluent in many languages including: Russian, Spanish, French, Romanian, Italian, Yugoslavian, Hebrew, Ukrainian, Uzbek, Polish, Georgian, and Armenian.
Locally RecognizedWe’ve won numerous awards and have contributed to numerous publications in the last 33 years.
Top Verdicts & SettlementsWe won some of the top verdicts and settlements in Greater Philadelphia. Some including $3.5 million for a car accident, $10 million for a hit and run, and $30 million for a motorcycle accident.
No Fee Unless You WinOur commitment to you is that you don’t pay unless we win, and only then you pay a small percentage of the amount we won for you. Every case begins with an honest assessment to determine your likelihood of success.
No Case Is Too Big Or Small For Us To HandleWhether you need help because you’ve been injured, been in a car accident, slipped and fell or need any other legal advice, we can help.
On Site VisitsYou don’t always have to come to us! If you are injured and recovering in a hospital or at home, our attorneys can visit you!
General Car Insurance Law Information Buck County
The Bucks County Car Insurance lawyers of Kats, Jamison & Associates understand that regardless if you think you will get into an accident, it is important to understand the extent of your coverage and how insurance law affect yourself, your family and your loved ones. Of course no one wants to get into an accident, but it is important to prepare yourself if an accident occurs. The Bucks County, PA personal injury attorneys at Kats, Jamison & Associates are knowledgable of complicated insurance law. Insurance law demands experienced attorneys who are able to receive the maximum benefit for their personal injury victims.
There are a Variety of Different Kinds of Coverage Insurance Companies Offer, All of Which Serve Different Needs:
Collision coverage – If your vehicle is damaged following a car accident, this type of insurance pays you back over a certain amount, which is typically called a deductible. As an example, if there is $5,000 worth of damage to your car and your deductible is $500 and there is $4,500 worth of damage your collision coverage will pay. If your car accident is not your fault, your insurance company may demand your deductible from the other responsible party. If the damage to your vehicle cost more to fix than your car is worth, your collision coverage will only pay you the value of your car. This is referred to as a totaled vehicle.
Comprehensive coverage – similar to collision coverage, comprehensive coverage pays you back for damage done to your vehicle. This type of coverage only applies to damage that was not following a collision with another vehicle. Foe example, if you slipped on ice and crashed into a telephone pole. Comprehensive coverage also applies if your vehicle is stolen.
Liability coverage – this insurance covers you when an accident is clearly your fault. For such cases where you have caused injury to another person or damage to another parties vehicle. Your liability insurance pays the other party for their damages. When your insurance company pays a third party using your liability coverage to settle a claim, the insurance company is entitled to raise your monthly premium, so it will become more expensive for you. However, there are many rules and regulations to how far an insurance company can raise rates.
Personal Injury coverage – Also known as (“PIP”) covers you when you are injured in an accident. Your own personal injury insurance pays for your medical bills up to a certain limit, regardless of whose fault an accident was.
Uninsured and Underinsured Insurance coverage – Also known as (“UM”) & (UIM) coverage protects you in the event you are involved in a collision with a driver who no insurance or does not have enough insurance to compensate you for your injuries and damages. This is often very important as there are still a number of uninsured and underinsured drivers on the road getting into accidents. It is always recommended to not drop this insurance to save money as it can cost you more in the future if an accident with an uninsured driver is to occur.
However, with each state – the rules are different regarding what type of insurance is necessary in order to drive a motor vehicle. In some cases, insurance is not explicitly required. Some states even have a minimum amount of coverage that must be purchased in order to drive a car. In others, local governments may impose criminal and civil sanctions for driving without the required amount of insurance.
Regarding drivers in Pennsylvania: It is required to purchase and maintain car insurance. Liability insurance coverage is mandatory in PA. Also you must have at least $5,000 worth of Personal Injury coverage. Collision, comprehensive, uninsured and underinsured coverage are all optional.
When you need a Bucks County, Pennsylvania, Montgomery County, or Northeast Philadelphia personal injury lawyer to represent you, a family member, or a loved one who has suffered an injury, call us right away.
To receive a free consultation, please call our offices to schedule an appointment for your personal injury case at 215-396-9001 or contact us online.
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Frequently Asked Questions
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