Philadelphia Car Accident Lawyer Blog

Recently one of the major automobile manufacturers confidentially resolved a case involving brain damage to a driver who was at fault during the accident. Counsel was able to demonstrate that the failure to provide side curtain airbags and lack of side laminated glass caused massive head trauma and resulting brain damage when the vehicle experienced multiple rollovers. The attorneys were able to demonstrate that the technology to provide operating side-impact airbags existed long before this catastrophic incident occurred and that the automobile manufacturers simply decided that it was not necessary to place side curtain airbags in the vehicle or provide glazed or laminated glass when in fact the same was being provided in other countries. Obviously, the automobile manufacturer felt that they could make more profits by their actions.

At the Philadelphia car accident and automotive product liability and airbag defect law firm of Reiff and Bily, we understand that safety is priority number one. If you or a loved one had been involved in a car accident involving an airbag failure defect, it costs nothing to contact one of our experienced airbag and auto product liability lawyers for a free, no obligation consultation. We are experienced in thinking “out of the box”. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

I just returned back to Philadelphia from the West Coast and observed a fairly familiar scene which was more horrific to me and should be to any of my readers than any Halloween or haunted attraction, namely a rerun of a scene that I have witnessed all too many times.

While traveling down a highway at a high rate of speed, I saw a 15-passenger van loaded with college students on their way to a sporting event. The van approached a curve at what I consider to be too high a speed, and narrowly avoided rolling over which would have surely resulted in catastrophic injuries and potential deaths to the young occupants. The driver was barely able to prevent a van rollover accident.

As an experienced 15 passenger van and rollover accident attorney for many decades, one can not imagine the horror inflicted upon unknowing and innocent occupants of these vehicles during a normal accident avoidance maneuver which results all too many times in a catastrophic 15-passenger van rollover. Unfortunately, many of the occupants of these vehicles are churchgoers following God’s way or school children on their way to a sporting event or class outing. Last year, over 1,000 people were killed or injured in 15-passenger van crashes. Unfortunately, there is still in excess of 500,000 of 15-passenger vans on America’s roadways. The 15-passenger van was a modified design of a van originally meant to carry cargo. As the 15-passenger van becomes fully loaded with occupants and luggage, the rollover rate increases significantly due to its high center of gravity and extended rear section. If this occurrence is coupled with an inexperienced driver, defective tires, or an accident avoidance maneuver, the horror is unimaginable and often results in the loss of innocent and young lives. The automobile manufacturers and their well versed attorneys will tell you that these vehicles are very safe and have passed many stringent safety tests. However, as an experienced 15-passenger van and rollover attorney, I am aware of internal corporate documents possessed by the automobile manufacturers that clearly indicate the dangers of these vehicles. So the question that begs to be answered is why are they still being used by so many daycare centers, senior citizen centers, churches, sports teams, and schools when they are so extremely hazardous and dangerous. Simply put, automobile and 15-passenger van manufacturers continue to emphasize profitability over safety, and all too many people do not know about the dangers of these vehicles until they receive a frantic phone call informing them of an accident.

Continue reading " 15-Passenger Vans Are More Horrific Than Anything Else You Will Come Into Contact With During Halloween Season " »

For over three decades handling tens of thousands of Pennsylvania car accident cases, I have shared the loss of a child with all too many families after car accidents involving teenage drivers. As an experienced Philadelphia and Pennsylvania car accident attorney, I salute the efforts of Governor Tom Corbett and the state legislature who today signed House Bill 9, also known as Lacey’s Law, which will enable junior drivers to receive more comprehensive training, limit the number of passengers that junior drivers may carry, and make failing to wear a seat belt a primary offense for junior drivers and passengers. The legislation is named in honor of Lacey Gallagher who was age 18 when she was killed in a car crash on April 28, 2007 while she was a passenger in an SUV with six other teenagers. All of the other teenagers in the SUV crash where injured and none were wearing seat belts. As the father of three teenage boys who has litigated many car crashes involving product defects and careless driving by teenagers, I am well aware that the number of car crashes for teens increase incrementally with the number of passengers in the car. As responsible as we hope our children to be, I salute the strengthened restrictions for teenage drivers.

To learn more about young driver safety and Lacey’s Law, please visit the Pennsylvania Department of Transportation’s website at www.dot.state.pa.us.

The experienced Philadelphia car accident lawyers of Reiff and Bily always offer a free, no obligation consultation to victims and their families who have been involved in significant car accidents where one has suffered a serious personal injury or wrongful death. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

A potential problem including brake light switches on Harley Davidson motorcycles allegedly caused by exposure to too much heat from the exhaust system has lead to a recall of 308,000 Harley Davidson motorcycles. The recall indicates that the problem affects Harley Davidson’s Touring, CVO Touring, and Trike vehicles from 2009 through 2012 model years. Dealers will install a rear brake switch free of charge. Harley Davidson indicates it is aware of one crash from the problem.

If you or a loved has been injured as a result of a motorcycle accident or defective brake light switch, please contact one of our experienced motorcycle accident lawyers for a free, no obligation consultation toll free at 1-800-421-9595 or online at www.reiffandbily.com.

In an important decision for many workers involved in Pennsylvania car accidents with an underinsured party, the Pennsylvania Supreme Court reversed a ruling of the Appellate Court striking down an exclusion on a car insurance policy which claimed that if an individual received workman’s compensation benefits, he was not eligible for underinsured motorist benefits. The facts of the case revealed that a police officer in the course and scope of his employment was injured in an automobile accident with a minimally insured driver and sustained severe injuries. Workers’ compensation paid the plaintiff’s medical expenses and two-thirds of his salary. The injured police officer recovered $25,000 policy limits from the third party insurance carrier, Allstate, (the insurance company responsible for the accident), however, due to the fact that losses and damages far exceeded the liability coverage, the plaintiff pursued an underinsured motorist claim for additional monetary damages and sought underinsured motorist benefits. The underinsured motorist carrier denied plaintiff’s claim for recovery pursuant to a policy exclusion stating that UIM coverage did not apply to anyone eligible for workers’ compensation benefits. The Supreme Court disagreed with the insurance carrier and stated “We conclude that the workers’ compensation exclusion in an employer sponsored insurance policy violates public policy and is therefore unenforceable. According, we reverse the Order of the Commonwealth Court.” Moreover, the Court stated that where a third party tortfeasor or offender causes a work related injury, Pennsylvania law dictates that the ultimate burden for payment of benefits must rest upon the tortfeasor or UM/UIM carrier.

As an experienced Philadelphia and Pennsylvania car accident lawyer who specializes in uninsured and underinsured motorist car accident claims, I believe that this decision is significant in enabling those injured in car accident in the course and scope of their employment to receive all benefits available.

When Bill Brownwell was cruising in a 15 passenger van and suddenly felt a shake in the back of the van and to his right, he became concerned and alarmed and turned around to take a look at what the noise was. Brownwell was driving a 1993 Ford Econoline E350 15-passenger van on a church outing for a spring concert tour in 2004 when he lost control of the 15 passenger van when the right rear tire tread separated. Like most other 15-passenger van operators in a similar situation, he tried to regain control of the vehicle and bring it back to the roadway after which point the 15-passenger van flipped sideways and then rolled over four times ejecting the driver Brownwell and another passenger leaving them both dead on the side of the road. This 15 passenger van rollover case is currently being tried in California with allegations that the Ford Motor Company knew that the 15-passenger econoline van was dangerous and failed to notify its customers about its alleged defects.

As an experienced 15-passenger van rollover attorney who has witnessed a similar scenario over and over, and unfortunately has dealt with the families of those who have unnecessarily died or have been catastrophically injured due to the alleged defects of the 15-passenger vans, it is important that the manufacturers of these 15-passenger vans be held accountable for their conduct and lack of actions. 15-passenger vans have a high center of gravity and have a high risk of crashes and rollovers in an accident avoidance maneuver or if they are not properly driven or maintained by those who have knowledge of its specific handling characteristics. Many states and school districts have now banned 15-passenger vans. However, they still be the dominant vehicle of choice for church groups, many of whom have limited knowledge of their dangers. The Federal government recently banned the use of 15-passenger vans for school transportation purposes and NHTSA has recently stated that only trained drivers should operate their vehicles and to make sure that the vehicle is properly balanced and loaded.

While NHTSA advises passengers to buckle up for every trip, our experienced 15-passenger van and crashworthiness attorneys have been able to demonstrate even in a van rollover, a weak roof structure, and inadequate and defective design still renders the occupants subject to life altering catastrophic injuries including quadriplegia or paraplegia or death. Many times 15-passenger vans are operated in the South or Southwest where roads have high surface temperatures and tires blow out or delaminate preceding the rollover accident. Many 15-passenger vans still have recalled tires on them, that is, defective tires that are prone to blow out or tread separation. There are currently in excess of 500,000 15-passenger vans on the road, and according to safety and consumer advocate Sean Kane, the 15-passenger van “has a unique position in the world of defective vehicles in the United States”. These vehicles, Kane added, were cobbled together to meet certain needs but were never vetted in terms of safety. There really weren’t any standards applicable to these kind of vehicles.

For over three decades, the experienced vehicle rollover accident and 15-passenger van accident attorneys of Reiff & Bily have been successfully investigating and litigating SUV rollover crashes, 15-passenger van rollover crashes, and other product liability claims, including but not limited to defective seat belts, airbags defects, fuel fed fires, roof crush, and crashworthiness. We are committed to consumer and automobile safety and believe that automobile manufacturers must be held accountable and safety rather than profitability must be priority number one.

Since 1979, I have been actively investigating and litigating catastrophic motor vehicle accidents that result in life altering injuries and wrongful death. My original car accident law practice progressed over the years into the area of auto seat back failure, airbags defects, restraint system failure, and crashworthiness, and I have learned that when someone is catastrophically injured in a car accident, there is often more than meets the eye and you must carefully investigate and reconstruct the accident to investigate for product defects. In many car accident cases involving vehicle rollover or severe collisions there will be failures of restraint systems, seat back failures, roof crush, and crashworthiness issues. One of the key issues in a vehicle crash is containment of an occupant within the vehicle, and when a victim is vehicle ejected, often times there is a failure of one of these factors. Car seats must be properly and safely designed with adequate strength so as to avoid deformity and failure in the event of a collision.

A seat belt must protect the victim rather than spool out allowing for ejection from the vehicle. Many seat belts we have found are equipped with inadequate pre-tensioners when there are safer designs with sensors that would activate in the event of a rollover collision. Many times seat belts are not attached properly within the vehicle and windows are not glazed and are inadequate creating a portal for occupant ejection. Obviously, many car accident lawyers do not possess the experience, knowledge, or skills of biomechanics, occupant kinematics, occupant restraint, seat design or accident reconstruction experience necessary to successfully prosecute a serious case.

The experienced automobile defect and car accident lawyers of Reiff & Bily have recovered hundreds of millions of dollars for over three decades and are not afraid to think outside the box. The resulting injuries from car accidents are not always solely caused by negligent drivers.

The economy is tightening and insurance companies seem to think that they can play an even harder game of ball with their insureds in an intimidating and demeaning fashion. As an experienced bad faith insurance claims denial attorney who has handled tens of thousands of cases against many of the nation’s largest insurance companies, I have witnessed an almost unconscionable shift of behavior by insurance company executives and their team of adjusters in a patten which tries to take advantage of customers who lack information and knowledge to properly fight back. I have been on the front line fighting insurance companies since 1979 and yet today even the experienced adjusters are throwing their hands in the air claiming they can’t believe the orders they are getting from the higher ups to minimize claim payments and try to strike the lowest deal possible with the insured.

Bad faith insurance practices seem to be on the rise. Whereas a hand shake use to mean something, now a signed contract between the insurance company and insured has little value if the insured is not prepared to fight back. The insurance company may be determined to be acting in bad faith if they delay, deny, or discount payment without any reasonable basis or if they fail to acknowledge or reply promptly after notification of a covered claim. The insurance company must act in a fiduciary duty to their insured which means they must deal in good faith and promptly and thoroughly investigate claims where there is reasonable liability and damages owed based upon the information presented. An insurance company must act within a reasonable time upon receipt of claim or proof of the loss and must not act to take advantage of the insured by failing to notify the insured of any known arbitration or appeals policies in the claims process in an attempt to settle a claim for less. If an insurance company advises a claimant not to hire an attorney and then attempts to settle the case for a figure well below the proper settlement value, the insurance company may be responsible for unfair or deceptive claims practice damages. Insurance companies should not over burden you with documentation or make you jump through hoops to pay the monies you are rightfully owed.

If you feel that your insurance company is not giving you a fair shake, you should immediately contact an insurance claim and unfair insurance claim practice attorney for a free, no obligation consultation. Insurers have an obligation to live up to and comply with industry standards and be forthcoming in their dealings with their insureds. The unfair insurance claims practice lawyers of Reiff & Bily always offer a free, no obligation consultation toll free at 1-800-421-9595 or online at www.reiffandbily.com.

As an experienced Philadelphia car accident lawyer for over 30 years who has handled thousands of car accident cases, I have all too many times seen clients make statements that will be used against their interests to another party or witness after a car accident. If you have been in a car accident, the best thing to do is calmly exchange information with the other party and not to say anything about fault or too much about injuries. Don’t make any excuses that you are on medication, lost your job, or having a personal crisis. These statements can be used against you when the insurance company denies liability or tries to settle the case as cheaply as possible.

Many times, so many of the insurance companies assign a claims adjuster to contact you immediately and they will attempt to take a statement. Do not talk to any adjusters without speaking to a lawyer, and if he is there to look at your car, just let him look at your car. No need for commentary or cross examination or questions about fault at this stage. Many times these insurance adjusters will try to settle on the spot for a cheap price or coerce you into using a preferred insurance company repair shop which may use secondary market non-original or used parts. The claims adjuster knows many tricks in the book to try to settle the case on behalf of the company as inexpensively as possible and most of them are not looking out for your interests but rather for the bottom line profitability of their company. I have seen all too many cases compromised by people making statements that they wish they had not made after it was too late. It is best to only relay the basic information about the case and to contact an experienced car accident attorney to act as your mouthpiece when dealing with the insurance companies.

The experienced Philadelphia car accident lawyers of Reiff & Bily have been assisting tens of thousands of victims and their families injured in car accidents since 1979. Recently we joined forces with the legendary Beasley Firm to create the Beasley Reiff Law Group and together our attorneys have been awarded over $2 billion dollars since 1957. We always offer a free, no obligation consultation. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

Lack of child restraint systems or improper use of child restraint systems greatly increases the chance of traumatic brain injury, injury to the internal organs, fractures, and unfortunately even death. Although there is no uniformity of laws governing infant seats in all 50 states, there is uniformity and universality in the thought that all responsible parents want to protect their children from harm or death. The safest place for any child in a motor vehicle is in the back seat of the vehicle. All children between ages 4 and 8 who weigh under 80 lbs. should sit in a booster seat. In the Commonwealth of Pennsylvania, the law requires that all children under age 4 ride in a federally approved car seat appropriate for the child’s age, height, and weight. While airbags are designed to prevent injuries, it is important that one never puts a rear facing infant restraint in the front seat of a vehicle with a front passenger airbag. A rear facing infant restraint places the infant’s head too close to the airbag module which can cause severe injuries, brain trauma, or death if the airbag deploys.

As an experienced vehicle and airbag defect lawyer who has handled tens of thousands of motor vehicle accidents, I have all too often witnessed the tragedy of airbag fatalities involving children as well as shorter individuals below the median height and weight. No doubt, the safest place for an infant to be seated is in the center of the backseat which also allows the driver to keep an eye on the baby in the rearview mirror. Studies indicate children under age 3 seated in the center of the back seat had nearly half the risk of injury in motor vehicle crashes than children seated in other positions. It seems that the center rear seating position is used less often by children and parents than safety indicates.

The Philadelphia car accident and airbag defect lawyers of Reiff & Bily are committed to consumer safety. If you or a loved one has been involved in a motor vehicle accident resulting from a defective airbag or safety restraint system, we always offer a free, no obligation consultation. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

As I write this, a 1-year old boy remains in critical condition in a Philadelphia hospital after he fell from a moving vehicle and was run over by another car. According to news sources, the unrestrained 1-year child was sitting in the rear seat when the back door somehow opened causing the infant to fall out of the moving SUV, after which point the baby was run over by another vehicle behind the SUV. While it remains unclear how the baby fell from the vehicle, what is clear, according to a spokesperson, is that the 1-year old had not been in a restraint.

As an experienced Philadelphia motor vehicle accident and faulty automobile restraint system lawyer who is also a dedicated consumer advocate for child and automotive safety, this unfortunate and tragic incident clearly exemplifies just how important it is to never take shortcuts and properly secure all infants and small children when they are riding in a motor vehicle. Pennsylvania state law requires that all children under the age of 4 ride in a federally approved car seat or booster seat whenever they are in a vehicle. Failure to comply with these laws could cause drivers to be fined, and in certain cases, sentenced to jail time. We all have an obligation to protect children. More catastrophic injuries and deaths are caused to small children by car accidents than any other cause.

As an experienced Philadelphia car accident and safety restraint lawyer, I strongly suggest that all children under 4 ride secured in a government approved infant seat and the back seat, and one must make sure that the seat is properly installed and affixed. Any child over the age of 8 and under 18 must be restrained using seat belts. As this unfortunate accident indicates, proper safety precautions should never be left to chance.

Our hearts and prayers go out to the infant and family members and we hope and pray for a speedy and healthy recovery.

Imagine this scene, in a split second you are in a car accident. Without warning, your head and neck are violently thrust about in an acceleration/deceleration type movement also known as whiplash injury. Even without a direct hit to the head, the brain is composed of several pounds of a soft like substance violently thrown about the inside of the skull. The inner surface of the skull is not smooth and contains several ribbed or bony structures, and if the brain is violently thrust in one of these structures, a serious brain injury can occur. Many people will visit the emergency room with a headache or nausea or vomiting and be sent home. They will continue to experience memory loss, irritability, depression, a feeling of malaise, inability to concentrate, and not be able to visualize any objective symptoms. What they may not know is that their brain has been injured. There may be an internal brain bleed , tearing of tissue, or a swelling of the brain against the cranium which could lead to an intracranial hematoma. If the impact with the skull is severe enough, blood vessels inside the brain may break leading to a hemorrhage. Unfortunately many times this situation goes undiagnosed as people proudly claim that there is nothing wrong with them.

As an experienced motor vehicle accident lawyer since 1979, I have unfortunately seen the sobering effects resulting in long term disabilities caused by traumatic brain injury resulting from a motor vehicle accident. Each year in America, more people will sustain a traumatic brain injury then will be struck by heart attacks. Experts claim it is “the silent epidemic” as a traumatic brain injury or closed head injury caused by whiplash or an impact to the head often does not have visible signs yet can cause significant damage. Many people are tempted to just discuss it as a small bump on the head.

If you were involved in a car accident and sustained a violent whiplash injury or strike your head, it is necessary to receive a complete evaluation so that you do not become one of the walking wounded walking around with an undiagnosed traumatic brain injury. The experienced closed head trauma and traumatic brain injury and motor vehicle accident lawyers of Reiff & Bily are well versed in this arena and always offer a free, no obligation consultation to anyone who has been involved in a significant motor vehicle or car accident. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

It seems that more and more drivers in the City of Philadelphia as well as surrounding counties are morally bankrupt when they drive off from accidents where children and others are catastrophically injured or suffer a wrongful death. For over three and a half decades, I have been representing car accident victims, and unfortunately more and more of these cases that I investigate involves uninsured, underinsured and hit and run type of car accidents.

People leave the scene of a hit and run accident for a good reason, and most likely because they are drunk or under the influence of an intoxicating substance, or worse yet are afraid of the penalties because they are driving a car without insurance. It is a situation that reveals a shameful lack of humanity and morality and the penalties should be them same or stricter to those for aggravated assault or homicide calling for imprisonment. Most people know that there are loopholes that favor hit and run drivers who leave the scene when they are under the influence of alcohol. When I deal with victims and the families of victims whose loved one remains in a coma or has been killed as a result of a hit and run driver, I am astounded that we do not have any mandatory strict minimum laws punishing those who leave accident scenes.

I recently had the opportunity to meet with a client who struck her head in a violent car accident. At the emergency room, she was diagnosed with a mild concussion and despite the fact that she continued to exhibit symptoms a week after the accident including but not limited to vomiting, nausea, loss of memory, and anxiety, she could not get an appointment with a proper neurologist for a month.

The experienced traumatic brain injury and car accident lawyers of Reiff & Bily, who have had extensive experience dealing with traumatic brain injury expeditiously scheduled an immediate consult with a neurologist who diagnosed an intracranial hemorrhage just in the nick of time. I find that many emergency rooms discharge patients without the proper care or follow up and in such a situation, the unknowing patient or victim is left in precarious situation. If a diagnosis such as intracranial hemorrhage occurs within the skull, pressure is placed on the brain. Intracranial bleeding normally occurs when a blood vessel within the skull is ruptured due to an impact or trauma. This is a medical condition which is not to be taken lightly because if blood continues to build up within the skull, delicate tissue of the brain can be greatly impacted and lead to a more serious condition or even death.

Typically symptoms include but are not limited to headaches, vomiting, lower level of concentration, spotty vision, ringing in the ears, appearance of lucidity, and seizures. If symptoms persist and you cannot get an appointment immediately with a neurologist, it is important to present to a hospital emergency room as soon as possible. Between 4 and 5 million concussions and more significant brain injuries are caused by motor vehicle crashes every year.

For over three decades, the experienced car accident and traumatic brain injury lawyers of Reiff & Bily have been researching, investigating, and litigating closed head trauma, traumatic brain injury and car accident cases. We have represented thousands of clients recovering hundreds of millions of dollars on behalf of injured victims and their families. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

On my way home from work, I have the occasion to pass through the intersection of Broad and Vine Streets on a daily basis. On 12:01 on Monday, October 3, 2011, Philadelphia will activate the newest red light cameras at this busy intersection. Philadelphia now has 20 high risk for car accident intersections equipped with devices and cameras to catch red light runners. So far Philadelphia is the only city in the state of Pennsylvania to have these intersectional red light cameras although recent legislation has been introduced to expand the program to other Pennsylvania cities. Red light cameras have been in effect in many other American cities and a recent study by the Insurance Institute for Highway Safety found that red light cameras at intersections have caused a major drop in fatal red light running car crashes and other types of intersectional accidents.

If you are injured in an intersectional car accident by another driver who has run a red light, the experienced Philadelphia car accident lawyers of Reiff & Bily has over three decades of experience holding those negligent motorists accountable so that you are fully compensated for your losses, pain and suffering, and medical bills. Our skilled Philadelphia car accident attorneys have been awarded in the hundreds of millions of dollars representing victims and their families catastrophically injured or wrongfully killed as a result of a motor vehicle related accident.

The Philadelphia car accident lawyers of Reiff & Bily have been representing catastrophically injured victims and their families for over three decades. We always offer a free, no obligation consultation. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

The intersection of Red Lion Road and Roosevelt Boulevard and Grant Avenue and Roosevelt Boulevard in Philadelphia, PA have been listed as two of the top ten most dangerous intersections in the United States according to auto insurance company studies. Just last weekend, another victim was struck on Roosevelt Boulevard which has long been known as Philadelphia’s most dangerous roadway.

When I was in high school, I was invited with four friends of mine to take a trip into the greater northeast and for some reason, my parents refused to let me get in the car with my 17 year friend who was driving. Unfortunately I woke up the following morning to news that my friends and high school classmates were killed in a catastrophic car accident at one of these intersections. Ever since that date, when I travel on Roosevelt Boulevard, I am grimly reminded of the potential for catastrophic injury and wrongful death that lurks on this road. This highway is not just dangerous for drivers but also for pedestrians that must walk across multiple lanes of traffic with only a slight sliver of a median and a number of entry and pull off lanes that are often unwieldy and poorly navigated by drivers attempting to merge.

As an experienced Philadelphia car accident attorney, I am all too familiar with the number of catastrophically incurred deaths and tragedies that have occurred on this highway. I wonder why, despite the number of injuries and deaths that occur, safety continues to be ignored by those who have the power to make a change.

It is not a coincidence that there are more car accidents being recorded In Philadelphia and surrounding Pennsylvania counties including more accidents involving hit and run drivers who leave the scene of an accident or car accidents involving uninsured or underinsured vehicles. Although over 90% of Americans have jobs, wages adjusted for prices have decreased for the third time in five months, and personal income has dropped for the first time in 2 years. The median household income is at the lowest point in more than a decade and the poverty rate has jumped to 15.1%, a 17 year high.

Obviously many people will put off repairs to vehicles or give a second thought to purchasing a new vehicle because they simply can’t afford it. More and more people are driving vehicles without car insurance or if they have car insurance with the minimum amount of insurance necessary and often do not check to see what the benefits are until it is too late.

As an experienced catastrophic injury and wrongful death car accident lawyer in Philadelphia for over three decades, I am seeing some of the most catastrophic cases of injury and wrongful death without insurance or without sufficient coverage or worse involving a hit and run driver. As an automobile safety stalwart and automobile accident attorney, I am somewhat concerned with the direction this trend is continuing.

I don’t know how many times people come into our office after a catastrophic car accident or truck accident and tell us that they have purchased full insurance coverage. Now more than ever, insurance companies continued to delay, deny, and defend claims and offer what I consider to be almost worthless insurance policies that were never fully explained to the policyholder at the time of purchase. More and more insurance company business is being conducted over the internet, and unfortunately many of the agents only consider what it takes to sell you a policy, never explaining full benefits or interpretation of various clauses that can be very important in the event of a car accident.

We were able to demonstrate that many agents did not even know the difference between liability or collision coverage or uninsured or underinsured motorist insurance coverage despite the fact that they were selling the same. Many times after an accident when we contacted the agent, the agent was unaware that the client had not purchased uninsured or underinsured coverage. It seems to me that insurance companies don’t do a very good job training the people who deal with the public when it comes time to explaining policy benefits. Not all companies or policies are created equal, and if you have any doubts about whether you are fully covered or not, it is best to have a free consultation with an experienced car accident attorney who understands how insurance companies will look to avoid paying claims and what you can do about this unconscionable and widespread behavior. Today more than ever, you need to be smart and savvy and have an experienced advocate on your side when dealing with an insurance company.

The experienced Philadelphia car accident insurance claims lawyers of Reiff & Bily always offer a free, no obligation consultation to those victims and their families involved in car accidents. We always offer a free review of your car and truck insurance policy. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.