General Car Insurance Law Information

Kats, Jamison & Associates have fought for injured individuals as a result of somebody else’s fault for over 33 years. We provide free legal consultation to determine the value of your case.

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Real Automobile Accident Cases Won

$10,000,000 SETTLEMENT

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.

$1,055,000 SETTLEMENT 

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

How We Help You Win
We will review your car accident case thoroughly.
We will investigate all evidence regarding the cause of the accident.
We will interview witnesses and experts if necessary.
We will work to ensure that victims and their families receive the maximum settlement.

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

We understand when the injury occurs, you are scared and need immediate help. Here are the answers to some of the questions we hope are helpful to you.
If you come to us, we have all the answers for when you are injured in any type of accident.

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Philly Lawyers offers free case reviews so that you can better understand your legal options. This means you pay nothing for your first consultation. Additionally, Kats, Jamison & Associates works on a contingency fee basis meaning that if you do choose to hire us, you pay us nothing unless and until we win your case.
Call the police and make sure an ambulance is sent as soon as possible. Make sure everyone involved in the accident is conscious and responsive. Stay at the scene even if the accident isn’t serious, the police should be called regardless and a police report should be filed. It is important when speaking to the police that you stick to the facts, do not speculate, and most importantly do not admit any fault. Make sure you take as many pictures as you can with your cell phone. Also, we suggest taking a picture of the other person’s license plate, their drivers license, and insurance information. The pictures should document any damage that is caused by both vehicles. Seek medical attention as soon as possible if injured, even if you do not feel any pain, you may be in a state of shock and could experience medical issues later on.
After a car accident, it is important to collect as much information as possible. Document the names, addresses, license plates of any other vehicle involved in the accident. Either document the weather conditions at the time of the accident or take pictures of the scene surrounding the accident. If you believe that road maintenance or lack thereof was a factor in the accident – it is important to document this as well. After your immediate medical injuries have been taken into account, it is then time to speak with a lawyer immediately. The sooner you contact a lawyer, the more time you will have to successfully prepare a personal injury case. The team at Kats, Jamison & Associates will analyze your car/motorcycle accident and determine whether or not you have a claim. Through this process we will make sure to protect your rights and guard you from predatory insurance company practices.
If you are experiencing pain, injury, or financial damages as a result of someone else’s negligence. You may have a personal injury case. If the other driver was at fault or failed to follow the legal rules of the road – our car accident attorneys may be able to prove that the other party is liable for those damages. For example, if you were rear-ended in a car accident, typically the other driver is responsible for that accident and the insurance company could be liable for any damages
Within the first few days, you will receive communications from both your insurance company and the other driver’s insurance company. You may be contacted by your health insurance company, doctors, and even attorneys. The other driver’s insurance company may request that you sign medical authorizations so they can retrieve your medical records. Before you speak to any of these people or sign any documents, it is important that you seek legal counsel.
You may have a difficult time paying for your medical expenses, even if you have health insurance. Make sure to bill any treatment as you normally would through your healthcare provider. Additionally, you may have medical payment coverage under your car insurance plan. This could be used to cover your co-pays and other medical expenses that your health insurance company may not cover initially.
This is a difficult question to answer because it depends on many factors. If we are successful in proving that the other party is liable for your injuries and damages, you could be compensated for medical bills and any other hospital costs, lost wages, costs of rehabilitation and physical therapy, disability or disfigurement, pain and suffering, wrongful death, including loss of financial support and any other out of pocket expense that was related to your accident.
Depending on the severity of your injuries and the length of time you need to heal from your injuries will determine the length of your claim. We also have to factor in the willingness of the other party to settle as they make their initial offer. If unreasonable offers are made, your claim may proceed to trial, which will increase the length of your claim.
At Kats, Jamison & Associates all personal injury accident cases are handled on a contingency-fee-basis. This means that we will never charge you upfront for any cost and we will advance all costs and expenses. You will not have to reimburse our Firm for any costs unless we are successful. You will pay absolutely nothing for lawyers’ fees unless we win a monetary sum in your case.

Our Greater Philadelphia Law Firm Has Won Many Accolades For Northeast Philadelphia, Bucks County And Montgomery County