Car Accidents

car-crash-accident-lawyers

You may be hesitant to call a car accident lawyer in Lancaster PA if you or someone you know is injured from a car accident, but time is very important. The insurance companies will immediately start to limit or deny the injured person’s case. The longer you wait to get an experienced, aggressive, and successful car accident attorney on your side, the more likely your case will be limited or denied by the insurance company working against you. Chad Rankin and William Gregory at RG Injury Law  are experienced car accident lawyers in Lancaster PA. They work quickly for a fair settlement. When a fair settlement cannot be achieved, they will go the distance for their clients to get a fair result for all of their injuries and damages. One of the reasons that Chad Rankin and William Gregory are able to settle cases quickly is their reputation with the PA insurance companies. The insurance companies know that the car accident lawyers at RG Injury Law will go all the way to a trial, if necessary.

What to do after a car accident?

Here are some things you should and should not do following a car accident in Lancaster PA:

  1. Check to see if anyone is injured
  2. Call the Police
  3. Collect Information
  4. Take Photographs
  5. Notify Your Insurance Company
  6. Dealing with the other person’s insurance company
  7. Call RG Injury Law

1. Check to see if anyone is injured.

If anyone is injured in the car accident, someone should call 911 as soon as possible. Time can be crucial in saving a life or limiting the injuries following a crash. Car crashes are traumatic events that usually result in a rush of adrenaline. The rush can often mask the extent of the injury or the injury itself. If there is any doubt about whether anyone is injured, 911 should be called in Lancaster County.

2. Call the Police

Once the police arrive, they will conduct an investigation of the crash. They will interview the parties and witnesses to the car accident that can be interviewed at the scene. The police will conduct interviews at the hospital later, if necessary. Providing complete and honest answers to the questions of the investigating police officer is important. Putting blame on the other driver or partially on yourself will be of no benefit to your case. It is the Police officer’s job to assess blame for the crash. Just because the Police officer blames you or blames you partially, does not mean that you were at fault. Police Officers make mistakes. The car accident lawyers at RG Injury Law conduct investigations into to the crash when there is a concern about who is responsible. If necessary, RG Injury Law will hire an accident reconstruction expert to investigate the crash.

Following the investigation, the Lancaster County Police Officer will submit a Police Accident Report which will detail how the crash happened and the people involved.

3. Collect Information

If you can, you should make sure you do not leave the scene of the crash without first getting the names, addresses, telephone numbers, vehicle make and license plate number, and insurance information of the other people and vehicles involved in the car accident. This information will allow the car accident lawyers at RG Injury Law to quickly begin a case on your behalf.

4. Take Photographs

If possible, you or someone on your behalf should take photographs of the scene of the crash and the vehicles involved to help accurately document the collision.

5. Notify Your Insurance Company

After the appropriate authorities have been contacted, you should contact your car insurance company so they can start a claim on your behalf. This is important because regardless of who was at fault, your car insurance company will pay for some or all of your medical bills. You may also want to go through your car insurance to take care of the property damage.

6. Call RG Injury Law

The longer you wait the more likely your case will be limited or denied by the insurance company working against you.  You need expert car accident lawyers in Lancaster County on your side.  Immediately call Rankin & Gregory at (717) 406-3216 and inform us you have been in an accident.

Property Damage

Here in Pennsylvania, we rely heavily on our cars. If your car is totaled or cannot be driven safely without repair following a car crash, we need quick action to make sure we can get back on the road. The car accident lawyers at RG Injury Law will help you get the rental car, repairs, or appropriate value for your total loss so you can get back on the road.

Medical Bills

When you are involved in a car accident in Lancaster PA the last thing you should be worrying about is who will pay for your related car accident medical bills.  Unfortunately with the high cost of medical treatment, who will pay for your car accident medical bills is almost on everyone’s mind following a car accident.

In Pennsylvania, your automobile insurance company is responsible to pay for your car accident medical bills.  The amount your insurance will pay depends on the policy you purchased.  The state minimum amount of medical bill coverage for a car accident is $5,000.00.  If your car accident medical bills exceed the amount of coverage you have on your automobile insurance policy, then you or your health insurance would be responsible to continue paying.

If you do not have car insurance, but you are driving a car that belongs to someone else or your a passenger of a vehicle that is involved in an accident then the automobile insurance which would pay for your car accident medical bills would most likely be the insurance on the car in which you are riding.  Alternatively, if you reside with someone who has automobile insurance, their insurance may be responsible for paying for your medical treatment.  Focused car accident lawyers can best tell you which insurance company would apply to your situation.

When your car insurance runs out of coverage and you do not have health insurance, what you pay for your car accident medical bills is recoverable from the party who was at fault for the accident. If your health insurance pays for car accident medical bills, it may be able to recover what it paid from the recovery you make.  However, this is an ever-developing issue in the law, and should be properly investigated by a personal injury attorney.

If your health insurance is through Medicaid (Department of Public Welfare) or Medicare, and one of those entities pays for your car accident medical bills, then they have the right to recover some or all of what was paid.  Again, this is a developing legal issue within the law that car accident lawyers can investigate and answer who is owed what after you make a recovery.

There are times when you may have automobile insurance available to you, but it will not pay for your car accident medical bills because you own a registered vehicle which is not insured.  In that case, you would responsible to pay for your medical treatment if your health insurance does not.  Again,  experienced car accident lawyers can answer for you what your and your insurance should pay

If you have any questions about car accident medical bills or anything related to being in a car accident, feel free to call our office for a free consultation.

Questions About Car Accidents

The payment of medical bills following a car accident in Pennsylvania can be a very complicated issue. For detailed information on who will pay for your medical bills read our article ‘Who will pay for my medical bills after a car crash?’

Your medical provider will need to know who they should bill for your evaluation and treatment. To learn more about what payment information to give your doctor after a crash read our article ‘What information do I give to my doctor about who should pay for my medical bills after a car crash?’

The payment of lost wages following a car crash could come from a number of different sources. The possible payors of your lost wages include:

  • Tortfeasor (the person who caused the crash)
  • Workers Compensation
  • Your Car Insurance
  • The Car Insurance covering the car in which you were riding
  • Disability Insurance
  • You

Ultimately, the person who caused the crash will be responsible for all of your lost wages. However, payment from the person who caused the crash will only come when the case is settled or won. Many times, an injured person needs income to pay their bills before the case is settled or won. There are other options that the attorneys at RG Injury Law will help their clients explore.

If the car crash happened while you were in the course and scope of your employment, then the workers compensation carrier will pay for your lost wages.

If you purchased first party wage loss benefits when you bought your car insurance, then you will be entitled to first party wage loss benefits. These benefits are paid at 80% of your average gross lost wages up to the maximum amount of these benefits that you purchased. For example, if you earned $3,500 per month in gross earnings, then 80% of those earnings equals $2,800. If you purchased $2,800 or more in monthly first party wage loss benefits, then you would be entitled to the full $2,800 per month. However, if you purchased less monthly benefits, then you would only be entitled to the amount that you purchased. In a situation where you purchased $2,500 in monthly first party wage loss benefits, then you would entitled to $2,500 even though 80% of $3,500 is $2,800 because that is the maximum that you purchased.

You may be entitled to first party wage loss benefits even if you are receiving workers compensation benefits from the car crash. These are commonly referred to as “wrap around” benefits. In this case, you would be entitled to 80% of the difference between what workers compensation pays and your actual average earnings.

Rankin & Gregory can help you deal with the other driver’s insurance company after an accident. For more information see our article ‘Dealing With The Other Person’s Insurance Company’