How Does Morgan & Morgan Handle Personal Injury Cases in Philadelphia?

Understanding How Pennsylvania’s Insurance Rules May Affect Your Claim

If you were injured because of someone else’s negligence in Philadelphia, you may have questions about what type of claim you have and whether you need an attorney.

Pennsylvania personal injury claims can involve questions about fault, insurance coverage, damages, and other legal requirements. Motor vehicle accident claims can be especially complicated because the rights and compensation available may also depend on the type of auto insurance coverage involved.

Morgan & Morgan can review what happened, discuss your injuries and losses, and help you understand what legal options may be available.

How Pennsylvania Personal Injury and Auto Claims Can Differ

Personal injury claims in Pennsylvania are subject to legal deadlines, but the time available to take action can depend on the type of case and the circumstances involved.

In many personal injury claims, determining who caused the injury is an important part of pursuing compensation. Evidence, insurance coverage, and questions of fault can all affect how the claim moves forward.

Motor vehicle accident claims can involve additional considerations. Pennsylvania drivers may choose between full tort and limited tort coverage, and that choice can affect the ability to recover certain non-economic damages, such as pain and suffering, after a crash.

An attorney can review the type of claim, the insurance policies involved, and the circumstances of the injury to help explain which rules may apply.

Car Accidents and Limited Tort Coverage

Pennsylvania auto insurance policies include medical benefits that may help pay certain accident-related medical expenses regardless of who caused the crash. Depending on the circumstances, additional compensation may also be available from an at-fault driver or another responsible party.

Pennsylvania drivers can generally choose between limited tort and full tort coverage. Limited tort may restrict the ability to recover compensation for pain and suffering and other non-economic damages unless the injuries meet certain legal requirements or an exception applies.

Full tort coverage generally preserves broader rights to pursue both economic and non-economic damages from an at-fault party.

An attorney can review your insurance policy, the nature of your injuries, and the circumstances of the accident to help determine how your tort selection may affect your claim.

Exceptions to Limited Tort Restrictions

Limited tort coverage does not always prevent an injured person from seeking compensation for pain and suffering or other non-economic damages. Depending on the circumstances, broader recovery may be available when:

• The injuries meet Pennsylvania’s legal definition of a serious injury
• The at-fault driver was convicted of DUI or accepted a related diversion program
• The at-fault vehicle is registered in another state
• The at-fault driver did not maintain required financial responsibility
• The injured person was occupying certain vehicles other than a private passenger motor vehicle

Because limited tort exceptions can depend on the insurance policies, injuries, vehicles, and circumstances involved, an attorney can review your claim and explain whether an exception may apply.

Other Personal Injury Cases We Handle in Philadelphia

In addition to car accident claims, Morgan & Morgan handles a range of personal injury and related matters in Philadelphia, including:

• Truck, motorcycle, and pedestrian accidents
• Workers’ compensation and third-party workplace injury claims
• Medical malpractice
• Premises liability and slip and fall claims
• Wrongful death claims

Each type of case can involve different questions about fault, insurance coverage, available evidence, and compensation. An attorney can review the circumstances of your injury and help you understand what type of claim you may have and what legal options may be available.

What to Expect If Morgan & Morgan Takes Your Case

During a free case evaluation, Morgan & Morgan can review what happened, discuss your injuries and losses, and look at any documents or information you already have related to your claim. In a motor vehicle accident case, we can also review your insurance coverage and explain how limited tort, full tort, or an applicable exception may affect your options.

Pennsylvania follows a modified comparative negligence rule. If you share responsibility for an accident, your percentage of fault may reduce the compensation available or, depending on the circumstances, prevent recovery.

If we take your case, our team can investigate what happened and gather additional evidence that may support your claim. Depending on the circumstances, that may include photographs, video footage, witness statements, medical records, expert opinions, and other relevant information.

Some personal injury claims can be resolved through negotiations with the insurance companies involved, while others may require litigation. Your legal team can evaluate settlement offers, explain your options, and prepare your case for further legal action when appropriate.

If you were injured in Philadelphia and have questions about your personal injury claim or insurance coverage, contact Morgan & Morgan today for a free case evaluation.