If you have been injured in a car crash, you may be overwhelmed with issues needing immediate attention, including insurance investigators and adjusters calling your home, insurers and hospitals filling your mailbox with medical bills, letters and forms to complete. At 1-800-AUTOLAW, we are ready to help you sort-out all of these issues. We take care of all of the forms and paperwork. We deal with these issues every day, so our clients do not have to. Many questions arise, including:
1. Damage To My Car?
Your car may have been towed from the scene by the municipal tow operator, and they charge for the tow, plus daily storage fee of your damaged car. It is therefore very important to act quickly to have your car transferred to the auto body repair shop of your choosing. The repairs may be paid by your insurance carrier, if you choose to pursue a collision claim, or paid by the at-fault driver’s insurance carrier, if they accept liability for their policyholder causing the accident. You need to consider the amount of your deductible. Sometimes the at-fault carrier will not offer to pay for the repairs, and you may not have purchased collision coverage. If your car was damaged beyond repair, then your property damage claim will be documented as a “total loss”, and your claim will need to be coordinated with the finance or lease company that holds a lien against your vehicle. You will probably need a replacement rental vehicle while your car is being repaired or while your “total loss” paperwork is being processed. This can be confusing and stressful. It is important to have your case and your insurance policy reviewed by an attorney, to discuss your options. Call 1-800-AUTOLAW for a free consultation.
2. Who will pay my medical bills?
Victims injured in car crashes often receive medical bills from various providers, including ambulance/EMT, Hospital Emergency Room, Physical Therapist, Diagnostic Testing (MRI, X-RAY, CAT Scan), Primary Doctor, Specialists (orthopedic, neurologist, others). PA and NJ have no-fault type statutes requiring your personal/household auto insurer to pay your medical bills (unless you were in the course of your employment, in which case Workers’ Compensation will be primary). You need to review your insurance policy to determine the coverage you purchased (not all policies are the same). It is important to have your case and your insurance policy reviewed by an attorney, to discuss your options. Call 1-800-AUTOLAW for a free consultation.
3. What if I am out of work as a result of my injuries?
Many victims injured in car crashes are unable to return to work for a period of time. This can cause tremendous strain on the household finances. There may be multiple sources of wage replacement. Income loss coverage is available when you purchase auto insurance. You may also have short-term and/or long-term disability coverage through your employment. It is important to have your case and your insurance policy reviewed by an attorney, to discuss your options. Call 1-800-AUTOLAW for a free consultation.
4. How much is my case worth?
Most cases are not settled until the injured victim has completed medical treatment. It is important to fully document all of your losses, so that you can be fully compensated for your losses, including reimbursement for replacement rental car expense, repair costs to your car, property damage collision deductible, unreimbursed medical bills, predicted cost of future medical/convalescent care, past and future income loss, past and future pain and suffering, loss of enjoyment of life.
5. What is a claim for pain and suffering?
In addition to reimbursement for economic losses (medical bills, income loss, property damage repair, rental car replacement, other), you may be entitled to claim non-economic damages, or “pain and suffering”, which is money paid to you to compensate you for your loss of enjoyment of life, discomfort when trying to live your normal life (at work and away from work), and even difficulty getting a good night sleep.
6. What does it cost to have my case evaluated by Stephen Mortelliti, Esq.?
Absolutely no charge to have your case evaluated by attorney Stephen Mortelliti, Esq. Call for a free consultation. If your case is accepted, you will not have to pay any money up-front. Most cases are handled on a contingency basis, meaning no legal fee is paid unless and until a recovery is received.
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Law office of Stephen Mortelliti
The Information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. Before making your choice of attorney, you should give this matter careful thought. The selection of an attorney is an important decision.
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