Most people pay little to no attention to their auto insurance policies until an accident forces them realize what coverages they
have or have not selected. Most people either have had the same policy coverage since they started driving or have
just let their insurance agent make their selections for them.
Because that is our philosophy at the Kwak Law Firm, below you will find a quick synopsis of the current Pennsylvania Auto Insurance Laws. You need to understand the Auto Insurance Laws in Pennsylvania in order to make an informed decision as to the coverage you should have to protect yourself and to provide yourself coverage for the maximum compensation for injuries and damages should you be involved in an auto accident.
Pennsylvania is one of a very few states that uses something called "choice no fault" rules. This essentially means that you can with opt in or opt out of "no fault" coverage. The catch is you have to do this when you buy your auto insurance; you can't do it after the
auto accident happened.
Pennsylvania law requires that you be provided with two options when buying vehicle insurance:
Likewise, when purchasing your policy, you will be asked to make other choices including:
All of these choices have an impact of your potential claim when an accident occurs.
The Kwak Law Firm, can review your current insurance policy with you to explain the choice you have made and explain the impact of those choices regarding a possible accident. Contact our office to schedule this free consultation.
Obviously, notify the police that you were in an accident while still at the scene and seek medical treatment for your injuries. Your well-being and the well-being of any of your passengers should be your first priority.
We would suggest that you do not give a recorded statement to an insurance representative, including your insurance company without
consulting with an experienced auto accident attorney.
The Kwak Law Firm can help you obtain the compensation you deserve and are entitled to under your policy selections at outline above and based upon the policy of the other party.
This compensation can be obtained under three types or levels of coverage:
1. FIRST PARTY (PIP) COVERAGE. This is from your insurance carrier as discussed above based upon your coverage selections.
2. THIRD PARTY COVERAGE. This is based upon the insurance coverage that was purchased by the other party.
3. UNINSURED/UNDERINSURED (UIM) COVERAGE. This is an optional coverage, which may or may not apply to you case.
The Kwak Law Firm has a staff of highly qualified paralegal to assist in successfully resolving your case.
We are a very progressive office, and most of our paralegals work from home, though rests assure, each of our staff have years of legal
In today's day and age, it is not necessary for qualified employees to travel to the office to sit at their assigned desk or office.
All of our paralegals are available to our clients via direct dial numbers and/or email.
Additionally, though your case is always a team effort, you will be assigned one of our qualified paralegals as your personal contact
regarding your case.
As you can see from this quick overview, navigating through the various layers of insurance after an auto accident can be complicated and not an easy process if you do not have the knowledge of your rights and responsibilities.
In closing, it is very important, in any auto accident claim, or in anything else in life, DO NOT sign any document that you do not
fully and completely understand.
1. You should ALWAYS verify everything told to you by an insurance adjuster with a qualified, experienced auto accident attorney.
2. You should ALWAYS have any/all auto accident documents reviewed by a qualified, experienced auto accident attorney.