Philadelphia Car Accident Lawyer Blog

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.

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.

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.

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.

With the tightened economy and diminishing budgets, many people jump at the chance to save money on car insurance. I agree that many of the TV commercials touting cost savings of various car insurance products are very appealing. However, as an experienced Philadelphia car accident attorney for over 30 years, one thing is certain you get what you pay for and that chance favors the prepared man. What good is car insurance if it does not fully cover you when you need it most.

Now more than ever, more drivers in Philadelphia are operating uninsured or underinsured vehicles which means that if you are in a car accident and sustain a serious injury resulting in extensive medical bills, loss of wages, and other economic and emotional distress to your family, you may not be covered if you purchased the cheapest policy out there.

With over 30 years of expertise, experience, and understanding car insurance and risk management, I am well aware that many victims of accidents do not recognize that they did not have the proper level of auto insurance coverage until it is too late. We highly recommend full tort coverage for a minimal difference in premium, as well as substantial underinsured and uninsured motorist coverage.

Our experienced Philadelphia car accident lawyers have represented the rights of victims after car accidents and have fought automobile insurance companies for decades who will constantly attempt to deny, delay, and defend a victim their rights.

We always offer a free, no obligation consultation to discuss your insurance options whether or not we represent you for a car accident or not. We can review your policy to determine whether or not you understood what you purchased and whether or not you have sufficient uninsured and underinsured motorist coverage, as well as purchased full tort. For a free, no obligation consultation contact one of our experienced Philadelphia car accident attorneys toll free at 1-800-421-9595 or online at www.reiffandbily.com.

For over three decades, I have investigated and prosecuted tens of thousands of car accident cases and Philadelphia car accident lawyer or truck accident lawyer must take all proper measures to preserve evidence and investigate all aspects of the accident in question and to avoid spoliation of the evidence. Extraordinary results for victims of car accidents and truck accidents requires an extraordinary commitment by experienced car accident attorneys who understand how to dutifully retrieve all of the information from a black box in any situation where catastrophic loss or death occurs. In a collision event, the EDR or black box must be examined and downloaded. It is estimated that over 85% of vehicles have EDR's installed and NHTSA has set a timetable to have all vehicles in compliance with the EDR standards.

If you or a loved one has been the unfortunate victim of a car or truck accident and sustained catastrophic injuries or wrongful death, the law firm of Reiff & Bily always offers a free, no obligation consultation. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

As an attorney who has represented car accident victims in Pennsylvania since 1979, I am increasingly frustrated that insurance companies and their lobbying efforts continue or attempt to cut benefits to consumers, as well as bury exclusions so deep in policies that the average consumer is not aware of the same until a problem occurs. Additionally, by virtue of joint and several liability, passengers injured in intersectional collisions are faced with a potential reduction and the ability to obtain full compensation. The insurance limits of 15/30 are so antiquated and behind the times that unfortunately many victims who are seriously and catastrophically injured in an accident and do not have sufficient underinsured motorist coverage may pay a price with their health and economic deficiencies for the rest of their life. Now more than ever, I recommend a careful review of your insurance policy to make sure that you are fully protected in the event of a catastrophic car accident.

Philadelphia ranks among one of the highest cities in the United States with uninsured vehicles on the highways and if we consider the uninsured motorist crisis, the results are somewhat alarming. Unfortunately as a long time practitioner of car accident law, I see more and more clients frustrated when they are confronted with a review of the policy when it is too late after the accident and note that they did not have the proper coverage even though their agent told them they had full coverage and never explained exclusions or full tort option. Louis Pasteur once stated that “chance favors the prepared mind”, and for that reason, the law firm of Reiff & Bily always offers a free, no obligation consultation to those involved in a car accident, as well as a free, no obligation review of your car insurance policy.

The experienced Philadelphia car accident lawyers of Reiff & Bily are committed to consumer and auto safety, and have successfully represented claimants injured in car accidents since 1979. Our skilled auto accident lawyers are some of the most highly rated lawyers in Pennsylvania and the United States and have received top accolades and reviews on behalf of their work for victims and their families that were catastrophically injured or killed in car accidents. For more information, contact us toll free at 1-800-421-9595 or online at www.reiffandbily.com.

As you may or may not be aware, the insurance companies keep an eye on every claim you have made in the past with regard to homeowners, workmen’s compensation and auto insurance policies. There are two major property claim databases, The Comprehensive Loss Underwriting Exchange (CLUE) and The Automated Property Loss Underwriting System (A-PLUS).

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