Philadelphia Car Accident Lawyer Blog

In one of my recent Philadelphia car accident cases, my client was severely injured and notified his insurance company of the accident. Immediately, he received a notification in the mail with a carbon copy to my law firm that stated in effect the following, “This notification is to advise you that in the event you are injured as a result of an accident, you have available to you the services of _________ medical provider. You can call _______ phone number of visit them online at _________ to find out which medical providers are included in this health network. You may also have available to you the services of a different medical provider as a secondary medical provider network in the event a provider is not available in the first health network.” The letter goes on to explain that this program is designed to provide better customer service and that you are under no obligation to use the network and are free to use a medical service provider of your choice. This notice is for informational purposes only and using a provider within the network should not be considered confirmation of coverage.

As an experienced Philadelphia car accident lawyer who has handled thousands of catastrophic car accident injury cases over the last 30 years, one thing I am certain of is that insurance companies will continue to delay, deny, and defend any claim and do whatever it takes to improve their bottom line despite the fact that we all pay a lot of money to insure our homes and automobiles expecting that all damage claims and medical bills will be paid promptly.

I have found that when clients go to automobile repair shops recommended by their insurance company or repair shops on the insurance company’s approved list, the prices are controlled by the insurance companies who steer the clients toward their “preferred businesses” that bid for the work. Many times this leads to repair shops that do superior work losing business to shops that use substandard parts and do inferior work. The insurance industry tells us that every year they try to figure out who can do the best work for the lowest cost and yet I have been engaged in continuous battles with insurance companies over the price and quality of auto repairs necessary to satisfy the client. Many shops that sign on to do business with insurance companies claim they are fearful that they will be left in the cold if they do not participate , and as one owner of a body shop claimed, he views the insurance company as his customer and not the customer who owns the car.

Imagine what the situation will be when it comes to health coverage. It is important to note that as an educated consumer, you have the right to choose the physician or health provider you want. Under most car insurance policies your bills must be paid no matter where or from whom you receive medical treatment and get your car repaired. Understand that you may choose any doctor, hospital, or health provider for your care and the bill must still be paid by your insurance company.

When selecting a healthcare provider or physician, I advise my clients to always select the best possible health provider and not the cheapest.

If your insurance company tries to force you to utilize a particular health provider or auto repair shop, it is time to speak up and exercise your rights. Do not let them pressure you.

The Philadelphia car accident and catastrophic injury law firm of Reiff and Bily has been representing injured consumers for over 30 years and always offers a free, no obligation consultation to victims and their families injured in serious car accidents. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

Imagine this scenario, you were in a violent automobile collision where both vehicles have to be towed from the scene, occupants taken to the hospital and diagnosed with significant and permanent injuries. A few days later, a representative of the insurance company comes to your house and offers a small sum of $250 to settle the claim and tries to disclaim responsibility in an attempt to intimidate the claimants. Does this sound strange? Indeed it does, but unfortunately it is true.

I recently met with clients who were witnesses and participants in this scenario only to learn that they had sustained severe and permanent debilitating injuries which require surgical intervention and due to the fact they were naïve and immigrants to America, a representative of the insurance company for the striking vehicle clearly tried to take advantage of them when the justifiable and proper resolution of their claim could be worth a multiple of hundreds of thousands more than the original settlement offer.

Why does this continue to happen? Because the main objective of insurance companies is to try to avoid payments of justified claims or settle early before claimants have a chance to educate themselves and seek the advice and opinion of an experienced car accident lawyer who understands the stonewalling and low balling techniques increasingly utilized by insurance companies. It is imperative to fight back against the insurance companies if you are injured in a Philadelphia car accident caused by the negligence of another.

Experienced Philadelphia car accident attorney Jeffrey Reiff has witnessed such despicable insurance company behavior for over three decades and distinctly remembers one claim over 30 years ago where an adjuster for a large company visited a wonderfully naïve and polite elderly “old school” Italian woman, bringing her lunch and offering her a check for $100 to settle her claim that was ultimately resolved later for over $100,000. Initially the client was going to accept the $100 to fully settle her claim after she was seductively encouraged to do so by the “kind claims representative” who befriended her with lunch and polite small talk about her family. Chance favors the prepared mind and I advise anyone involved in a serious automobile accident who sustains a serious injury to contact an experienced car accident lawyer for a free, no obligation consultation to discuss their rights and remedies.

Car accidents in Pennsylvania are one of the leading causes of injuries and deaths. It is important to level the playing field by seeking the assistance of a lawyer who has dealt with insurance companies and tens of thousands of cases involving cars, buses, and truck accidents.

Reiff and Bily is an experienced Pennsylvania catastrophic injury and car accident law firm and always offers a free, no obligation consultation and can be reached toll free at 1-800-421-9595 or online at www.reiffandbily.com. We always offer a zero recovery, no fee guarantee.

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.