What Does Pennsylvania Auto Insurance Actually Cover?

Don't Be Fooled By Insurance Companies

When you have been in an accident, you may not know that the law often affords you more coverage than what the insurance company tells you that you have. The solution is working with an experienced attorney like Douglas V. Stoehr to protect your interests.

Attorney Stoehr has over a decade of experience working for the insurance industry, including two years of experience as an insurance claims representative and a 10-year career in sales and marketing. During that time, he gained valuable insight into how insurance companies handle personal injury claims. He now uses that insight to help injured individuals counteract insurance tactics and receive just compensation.

What Your Insurer Isn't Telling You About Your UM or UIM Coverage

If you have been hurt by an uninsured or underinsured motorist, or have been the victim of a hit and run, you may be able to make a claim against your own insurance company. In order to make this claim, you must have uninsured or underinsured motorist coverage on your policy. Frequently, many people do not know whether they have this coverage, and their own insurance company usually does not bring this to their attention. Thus, you need to consult with an attorney who is experienced in these matters. Do not leave money on the table, call our firm to make this claim for you and thoroughly analyze your insurance coverage.

Working with Attorney Douglas V. Stoehr can help keep your insurer accountable. When insurance companies know that you are working with a lawyer familiar with their tactics, they know they cannot cut corners and keep things from you. In fact, Attorney Stoehr is a former claims man. While attending law school at night in Philadelphia, Attorney Stoehr handled insurance claims full time during the day. He worked for two insurers as a claims representative. He is well aware of the tricks that insurers use to lower the amount of your settlement. Take action. Call us at 814-946-4100.

The Limited Tort Option Does Not Always Mean Limited Results

Under Pennsylvania law, you may have selected the "limited tort option" on your car insurance coverage. This option may save you 10-15% of your insurance premiums, it also severely restricts your right to make a personal injury claim. For example, you can still claim your unpaid medical expenses and lost wages. However, unless you have a "serious injury" you cannot make a claim for pain and suffering, inconvenience, mental anguish, or the ability to enjoy life and life's pleasures.

Make an appointment with Attorney Stoehr for a free evaluation of your claim. Even if you have limited tort, he will tell you whether or not your injury is "serious enough" to overcome the limited tort option. He will also talk to you about other possible exceptions.

Questions About Pennsylvania Auto Insurance Coverage?

For answers to your car insurance questions contact our Blair County, Pennsylvania, law firm by calling 814-946-4100.

Home and hospital visits can be arranged if necessary. Evening and weekend hours are available for your convenience.