If you’ve been hurt in a collision on a Pennsylvania road, you’re likely overwhelmed with questions: How do I pay my medical bills? What if I can’t work? Will insurance really come through?
These concerns are valid, and navigating the legal consequences of a crash can be daunting without help. Fortunately, our Pennsylvania car accident lawyers at Marzzacco Niven & Associates can walk you through the process, protect your rights, and help you pursue the full compensation you’re owed.
Contact us today to schedule a free consultation. With our contingency fee structure, you owe nothing unless we win. Call 717-231-1640.
How Can Marzzacco Niven & Associates Help You With a Car Accident Claim in Pennsylvania?
Car insurance companies are not on your side. Their job is to protect their bottom line, not your physical or financial recovery. Even if you’ve never filed a claim before, don’t be fooled by friendly-sounding adjusters or promises of a quick payout. Their offers are typically lower than what your case is truly worth.
At Marzzacco Niven & Associates, we’ve spent decades handling insurance claims and fighting for people just like you. We understand the fine print in Pennsylvania’s auto insurance laws, and we’re prepared to stand up to any insurance company that tries to shortchange you.
Our legal team has over 120 years of combined experience and a proven track record of recovering tens of millions of dollars for accident victims across Pennsylvania. We know how the system works and how to hold insurers accountable when they delay, undervalue, or deny valid claims.
Contact our car accident law firm in Lancaster for a free consultation.
Understanding Pennsylvania’s No-Fault Insurance Rules
Pennsylvania uses a “choice no-fault” system for car insurance. After a crash, the first step is usually filing a claim under your own policy for medical bills, no matter who was at fault.
This no-fault coverage, called Personal Injury Protection (PIP), pays for certain economic losses such as:
- Medical expenses (minimum $5,000 required coverage)
- Lost wages (if income loss benefits are included)
- Out-of-pocket costs related to your injuries
- Optional funeral or death benefits, depending on your policy
Your ability to sue the at-fault driver depends on whether you chose limited tort or full tort coverage when purchasing your policy. Limited tort restricts lawsuits for pain and suffering unless you suffer a “serious injury,” while full tort preserves your right to sue for both economic and non-economic damages.
What to Expect From the Car Accident Claims Process
Each car accident claim is different, but most follow a general process. Knowing what to expect can ease the uncertainty and help you avoid common pitfalls.
Generally, the process looks like this:
Report the Accident
Notify your insurance company right away. Be honest but cautious. Stick to the facts and avoid speculation about fault or injuries until you’ve spoken to a lawyer.
Seek Medical Treatment
Even if you feel okay, see a doctor. Some injuries take time to appear, and insurance companies may question claims that aren’t supported by prompt medical documentation.
File Your PIP Claim
This claim will cover your immediate expenses, but it may not fully compensate you, especially if your injuries are severe.
Evaluate Fault and Damages
We’ll conduct a thorough investigation to determine who was responsible for the crash and how much your case is worth.
Demand Compensation
If applicable, we’ll present a strong demand package outlining your damages and requesting a fair settlement from the at-fault party’s insurer.
Negotiate or Litigate
If the insurance company offers a lowball settlement, we won’t hesitate to push back. Whether through negotiation, mediation, or trial, we pursue every dollar you deserve.
Throughout this process, we handle all communication with insurers so you don’t have to. Our goal is to lift the burden from your shoulders while pursuing your compensation.
What If the Insurance Company Denies or Delays My Claim?
Unfortunately, unfair delays, denials, and lowball offers are common tactics. Insurance companies hope you’ll give up or settle for less just to move on.
But you have rights. If your claim is being delayed without good reason, or if you believe it was denied unfairly, you may be able to take legal action against the insurer. Pennsylvania law prohibits insurers from acting in bad faith, such as ignoring evidence, misrepresenting policy terms, or undervaluing legitimate claims.
At Marzzacco Niven & Associates, we hold insurers accountable when they cross the line. Whether your dispute involves your own insurance company or the at-fault driver’s, we’ll fight to ensure you aren’t pushed around by corporate interests.
Contact a Pennsylvania Car Accident Attorney Today
Trying to navigate the Pennsylvania car accident claim process on your own is risky, especially when you’re injured, stressed, and focused on recovery. Insurance companies have experience, resources, and legal teams. You deserve someone in your corner who knows how to take them on.
Let Marzzacco Niven & Associates guide you through this process. Our highly rated Pennsylvania car accident attorneys will evaluate your claim, explain your options, and fight to recover what you’re owed.
Contact us today for a free consultation. We’re ready to help.