Why is Limited Tort So Bad? When you buy car insurance in Pennsylvania, you must choose whether you want to have Full Tort or Limited Tort. Limited Tort is cheaper coverage compared to Full Tort, but, in exchange for reduced premiums, you give up important legal rights to be compensated if you are injured in…

In a groundbreaking decision benefiting motorcycle riders, the Pennsylvania Supreme Court invalidated a car insurance policy Household Vehicle Exclusion helping an injured motorcycle accident victim get the Underinsurance Coverage that he paid for. What is Uninsured/Underinsured Coverage and Why is it Important? In Pennsylvania, you can buy optional coverage on Car or Motorcycle insurance policies…

You may not know it, but the choices that you make when you buy car insurance govern many of your legal rights and your access to compensation for injuries or damages after a car accident. As a 20-year Personal Injury lawyer, I’ve seen clients make many mistakes in their car insurance choices. So, here is…

Recently, Tim Rayne gave a talk for the Southern Chester County Chamber of Commerce titled A Lawyer’s Guide to Purchasing Car Insurance.  Check out this video: Tim Rayne is a Car Accident and Personal Injury Lawyer with the Pennsylvania law firm MacElree Harvey.  For over 20 years, Tim has been helping injured accident victims receive fair…

On November 26, 2016, the Pennsylvania Superior Court decided an important case, Del Peilago v. Orwig, finding that two Spanish speaking car accident victims may have been tricked into signing a Release giving up their injury claims for minimal compensation because of the unfair tactics of a predatory car insurance adjuster. What Happened in the Car…

What is Health Insurance Subrogation? If you are injured in an accident in Pennsylvania and health insurance paid for some of your medical bills, then you might have an obligation to re-pay your health insurance company out of any lawsuit settlement or verdict.  It’s called Subrogation – the right of any insurance company to force…

What are your legal rights if you are injured in a car accident in Pennsylvania caused by a family member?  It’s a question you might not even ask, thinking that you would have no claims because the accident was caused by a relative.   It’s so awkward to even think about making a claim against…

Pennsylvania is a No-Fault state for payment of medical bills after a car accident.  What that means is that, regardless of who was at fault for causing the car accident, everyone’s medical bills will get paid by their own insurance company. When you buy car insurance in Pennsylvania, you choose how much Medical Coverage you…

When you purchase car insurance in Pennsylvania you have to choose Full Tort or Limited Tort. Full Tort costs more, but your full legal rights are protected if you are injured in a car accident caused by someone else. You can recover Economic Damages for Medical Bills, Lost Wages and Out-of-Pocket Expenses and Non-Economic Damages…

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