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Personal Injury | February 18, 2014

In the Insurance Industry, Conflict of Interest Is a Business Model

In no other industry, besides insurance, is conflict of interest considered to be a good thing. Instead of being considered a problem, it’s a business model. The intent of insurance is to provide coverage for risks and, should those risks occur, pay resulting claims fairly and in a timely manner. The ways by which insurance corporations earn revenue actually reward companies for breaking the promises they make

Personal Injury | February 13, 2014

Real Heroes Wear Badges, Not Capes: Joseph Handline

The City of Philadelphia is many things: busy, exciting, cultural, and of course dangerous. Enforcing the law in such a massive, densely populated city with so many varied neighborhoods takes nothing less than the selfless dedication of the city’s finest. Among them is Joseph Handline, a young man who has emerged as a community leader both within and outside the police force.

Handline has served with the

Accident Tips & Prevention | January 30, 2014

Real Heroes Wear Badges, Not Capes: Joseph P. Hauck

When it comes to serving his community, there’s not much that Joseph Hauck doesn’t do. The firefighter and EMT also works in a hospital emergency room, volunteers time to educate children on fire safety, and is continuing his own education so he can save even more lives. His service and enthusiasm inspire entire communities and landed him a well-deserved finalist spot in the Real Heroes Wear Badges,

Personal Injury | January 23, 2014

Real Heroes Wear Badges, Not Capes: Eladio “Andy” Martinez

Real heroes work hard, as Eladio “Andy” Martinez, contest finalist and runner-up, illustrates. The Philadelphia firefighter goes above and beyond the call of duty, working full schedules and massive amounts of overtime to serve his community and provide for his family. It’s not just his epic work ethic that is inspiring, but the difference he makes in the lives of everyone in his community.

In his six

Accident Tips & Prevention | January 10, 2014

“Surprise” Mid-January Ice Causes Slip-and-Falls in South Jersey

It seems like hardly anyone expected the freezing rain that struck Philadelphia and areas across New Jersey on January 10, 2014. Sheets of ice covered car windshields, turned the roads into an accident-ridden mess of slush and stop-and-go traffic, and made sidewalks and outdoor steps so slippery that many encountered serious danger with just one foot out the door.

Commuters were stranded during rush hour, but at

Personal Injury | January 2, 2014

What Your Insurance Company Doesn’t Want You to Know: The Right Way to Set up Auto Coverage (Before It’s Too Late)

Judging by the commercials, you’d think auto insurance companies employ the friendliest people in the world. Of course you want to trust those good hands you’re in, that adorable talking gecko, or the ultra-extrovert saleslady who says you can choose how much you want to pay. What a coincidence that all of these caring, wonderful companies want to take care of you!

At least, that’s what they

Personal Injury | December 19, 2013

Resources for Handling Your Own PI Claim

Throughout the process of handling your own personal injury claim, you’re likely to need a little help. You may run into words and phrases used in the legal system and the insurance industry that you don’t totally understand. You’ll likely come up against complicated concepts, like how Personal Injury Insurance (PIP) works. When you sit down to write a demand letter, you may realize that you don’t

Personal Injury | December 18, 2013

If You Still Need Help

Not all claims can be settled successfully without an attorney, especially for the amount of compensation you deserve. Every accident is unique in terms of the damages it causes, the liability that led to it, the value as determined by policy limits and geographical market, and the willingness of an insurance company or adjuster to settle for a reasonable amount of compensation. Unfortunately, this means there is

Personal Injury | December 17, 2013

Wrapping Up Your Claim

It may have taken some time and some dedication, but you did it. You stood up to an insurance adjuster and skillfully negotiated a settlement. Now you can finally put this whole unpleasant experience behind you and move on with your life, right?

Well… almost.

The good news is that, yes, most of your work is done. However, as you wrap up your personal injury claim, don’t

Personal Injury | December 12, 2013

Negotiation Tips and Tricks: Secrets from Our Attorneys

Discussing a car accident caseYou’ve taken the time to craft a thorough, well-organized, well-documented demand letter. You used every possible resource to make your claim as strong as it can be. So what happens when the insurance adjuster receives your letter, reads through it, and calls you to begin negotiating a settlement?

Negotiating a personal injury settlement isn’t quite the same as haggling at a yard sale or bargaining with a

Personal Injury | December 10, 2013

Get the Most Out of Your Demand

Personal Injury | December 5, 2013

Calculating the Value of Your Claim

One of the hardest parts of handling your personal injury case on your own is accurately calculating the value of your claim. For one thing, there are so many factors that contribute to case value, many of them subjective. Even if you take into consideration every possible detail, determining how these factors should influence value is not as simple as plugging numbers into an equation.

Then there’s

Personal Injury | December 3, 2013

Determining and Proving Liability

Your success in recovering a fair settlement for your personal injury claim hinges on a concept called liability. Liability, in terms of personal injury, is the legal responsibility of a person or organization as it pertains to the obligation to act with the safety of others in mind. In the case of an accident, whether it’s a car crash or a safety hazard on a property, the

Personal Injury | November 26, 2013

How to Get Started Contacting the Other Insurance Companies

Contacting your own insurance company is the first step toward setting up your medical claim, and potentially a property damage claim. However, to make a claim for damages such as pain and suffering, you have to go through the at-fault party’s insurance company. Whether your accident involved a motor vehicle or a hazardous commercial or private property, the process is the same. You should formally notify, in

Personal Injury | November 21, 2013

Setting up Your Medical Claim

Now that you understand the basics of how to interact with your and the other party’s insurance companies, including what tricks to watch out for, you have all the knowledge you need to begin the claims process. It starts with opening your medical claim through your own insurance company.

What No-Fault Laws Mean for Your Medical Coverage

Both Pennsylvania and New Jersey have no-fault automobile accident laws.