Car mishaps involving collisions, deer, snow and ice, floods, thefts, vandalism, or other unfortunate events are common. Here are some tips to help you negotiate the minefield of car insurance and repair issues.
Collision vs. Comprehensive Coverage
On your own car insurance policy, you can purchase insurance to protect your car from peril. Collision coverage protects you […]
5. LIABILITY LIMITS
Liability insurance coverage protects you in the event that you cause a car accident which results in property damage and/or personal injuries. Pennsylvania law requires a minimum of $5,000 for Property Damage and $15,000 of coverage for each person and a total of $30,000 per accident for Bodily Injury. Property Damage Coverage protects […]
Tim Rayne, a partner with the full service Chester County, Pennsylvania, law firm of MacElree Harvey, has published a book titled “A Lawyer’s Guide to Purchasing Car Insurance.”
For thirteen years, Tim has been helping people in Chester County who have been injured in accidents. He has extensive experience negotiating with insurance companies and trying […]
Having already addressed issues involving choosing Liability Coverage and First Party Coverage, as well as making the Full Tort or Linited Tort election, I will now discuss my last automobile insurance topic in this four part series: Uninsured and Underinsured Motorist Coverage.
Since there are countless vehicles traveling the Pennsylvania roads every day with either no Liability […]
In the first two parts of this four part series on purchasing automobile insurance, I discussed Liability and First Party Coverage. In this part, I explain the critical selection of a Tort Option, Full Tort or Limited Tort.
Pennsylvania’s Motor Vehicle Financial Responsibility Law provides that consumers purchasing automobile insurance must make a choice of Tort Options […]
In my practice, I find that it is common for my clients to have only a limited understanding of what their automobile insurance covers until they have actually been involved in an accident. Frequently, my clients are not happy about their coverage but, by then, it’s too late to help them because the accident has […]
You are driving through an intersection when, suddenly, you hear the screech of tires and feel another car crash into yours. Whether the accident was your fault or the other driver’s fault, the decisions which you made when you purchased or renewed your automobile insurance months before will significantly impact how the accident will effect […]