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.

It never ceases to amaze me when dealing with defendants and insurance companies after a car accident and I suggest a loss of life’s pleasures, the representative or attorney on the other side seems to suggest that most people have the ability to walk away unaffected despite the fact that there may not be “hard core” objective findings of broken bones. Certainly it goes without saying that a car accident is a traumatic incident that produces anxiety, frustration, and depression in most individuals. While each individual is unique, even a minor injury can impact an individual’s ability to function as they did prior to the accident according to studies. You don’t need to sustain “broken bones” to be severely affected or injured in a car accident.

Over the last thirty years as an experienced Philadelphia car accident attorney, I have been able to effectively demonstrate through objective testing that victims of car accidents scored lower in cognitive function testing and lagged behind healthy peers in a work or educational environment, suggesting that anxiety, frustration, or depression associated with getting hurt can explain the lower scoring. A Pennsylvania car accident victim is entitled to receive compensatory damages against a defendant who is liable for his or her negligence or harm. An experienced Philadelphia car accident lawyer should aggressively pursue financial compensation for various out-of-pocket expenses including but not limited to medical costs, property damage, lost wages, and loss of life’s enjoyment and pleasures.

The experienced Philadelphia car accident lawyers of Reiff and Bily always offer a free, no obligation consultation and can be reached toll free at 1-800-421-9595 or online at www.reiffandbily.com.

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.