Insurance Claims Attorney in Erie, Pennsylvania
Experienced Pennsylvania Insurance Lawyers Help Erie County, PA Car Accident Victims Achieve a Fair Recovery
People enter car insurance contracts to protect themselves from car accident injuries and expenses. However, collecting accident insurance money is not as simple as picking up the phone, telling your insurance company about the accident, and waiting for a check. Insurance companies want to make money and they maximize their profits by paying out as little as possible in auto accident claims. Often, it takes aggressive negotiating and skilled arguments to convince an insurance company to pay you what is rightfully yours.
The Experience Erie, PA Auto Accident Lawyers at Purchase, George & Murphey, P.C. Can Help You With Your Pennsylvania Insurance Claim
Attorneys Tim George and Eric Purchase are experienced Pennsylvania personal injury lawyers who are committed to helping you recover from your car accident injuries. We will aggressively advocate for the payment of your insurance claim.
Uninsured / Underinsured Accident Claims in PA with Your Own Insurance Company
If you carry uninsured or underinsured motorist coverage and you’ve been involved in an accident with a Pennsylvania driver who is either uninsured or underinsured, then your own insurance company may be responsible for paying your damages. If you are a victim of a hit-and-run accident or were injured in an accident caused by someone who had no automobile insurance, then uninsured motorist coverage should pay the costs of your injuries. Likewise, if you are involved in an accident with someone who does not have enough insurance to cover the costs of your damages, then your underinsured motorist coverage should pay for your injuries that are not covered by the underinsured motorist’s insurance company.
Many insurance companies try not to pay these damages and instead encourage accident victims to pursue their recovery against a driver who cannot pay.
Working Toward a Car Accident Settlement with a Defendant’s Insurance Company
Whether you were involved in a car accident, truck accident, or motorcycle accident, dealing with the insurance company could be a hassle. Even if you are involved in an accident with a driver who has adequate insurance, the insurance company is likely to be reluctant to pay you – despite its contractual obligation to do so. Often, it takes a skilled negotiator who knows how insurance companies work to help you recover equitable damages.
Purchase, George & Murphey, P.C. Will Help You with Your Pennsylvania Insurance Claim
Eric Purchase and Tim George are well prepared to help you with your Pennsylvania auto insurance claim. Before beginning his current practice, Attorney Eric Purchase worked for 15 years as a defense lawyer for the largest insurance companies in the area. He understands how insurance companies work and he uses that knowledge today to negotiate on behalf of his injured clients. Additionally, both Tim and Eric teach seminars to other lawyers and to insurance adjustors on insurance topics. Moreover, our community looks to us as leaders on personal injury and insurance issues.
Let the Erie car insurance claim lawyers at Purchase, George & Murphey, P.C. put their 41 years of combined legal experience to work for you and help you recover the insurance settlement to which you are entitled. Contact us today at 814-273-2010 or via our contact form for a free consultation.
Erie, PA Insurance Claims Frequently Asked Questions (FAQs)
When you have been hurt in an accident and are confronted with mounting medical bills, it is understandable to have questions regarding the costs of hiring an insurance claim lawyer. The attorneys at Purchase, George & Murphey, P.C. offer a free case evaluation to accident victims, providing an assessment of the merits of your case, the compensation you are eligible to recover for your damages, and the cost of hiring the firm.
There are several steps involved in the process of filing an insurance claim. The first step is to notify the parties that may be responsible for your accident, to inform them of your injuries and to alert them that you intend to file a claim for the injuries you sustained. This often results in the at-fault party offering you a quick settlement, which is rarely the full and fair compensation you are entitled to receive for your accident. Before accepting any settlement offer, it is best to consult with an experienced accident attorney to make the most informed decision in your situation.
Every state has its own legal deadlines for filing claims in the civil court. These deadlines are known as statutes of limitations and they vary from state to state. In Pennsylvania, the statute of limitations for filing a personal injury claim is two years from the time the accident occurred. Your claim must be filed before this deadline expires, otherwise, the court may dismiss your case and your opportunity to recover any damages will be lost.
By filing a personal injury claim, the injured party may seek compensation for their accident injuries and other losses. These losses may include the following: medical expenses, hospital bills, cost of prescription medication, cost of rehabilitative treatment, cost of laboratory tests and imaging scans, lost wages, loss of future earning capacity, lost vacation and sick time, loss of one’s life enjoyment, emotional pain and suffering, and loss of consortium.
When filing a personal injury claim, it is not uncommon for the person or entity that you are filing your claim against to argue that you share at least some level of fault for your accident. If the injured party does, in fact, share some level of fault for the accident, the total compensation they may recover from the other at-fault parties will be negatively impacted. When there is shared fault for an accident, Pennsylvania follows a “modified comparative negligence rule.” This rule states that the amount of compensation you are entitled to receive will be reduced by a percentage that reflects your level of fault for the accident. If, however, it is determined that you bear more than 50 percent of the responsibility for your accident, you will be unable to recover any damages from the other at-fault parties.