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Compensation After Car Accidents: The Role Of Insurance

Knowing how to handle insurance issues effectively is crucial in most car accident cases. It takes knowledge and experience to do this, because who is responsible for what is not always clear. All sources of recovery must be properly considered when identifying who has the resources to actually pay your claim.

At The Swain Law Firm, P.C., we have a well-established track record of doing this. We use our knowledge of insurance issues to help clients injured in car accidents pursue full and fair compensation. Our lawyers have the skill and experience to make sure that all insurance issues that arise in your case are addressed effectively in ways that advance your interests.

Call us at to schedule a no-cost initial consultation to discuss your case. We have offices in Bensalem and northeast Philadelphia and serve clients throughout southeastern Pennsylvania.

What Type Of Insurance Issue Is At Stake?

There are several different ways that insurance issues can affect the resolution of vehicle accident cases in Pennsylvania. These include:

  • Uninsured/underinsured motorists: The driver who injured may not have had insurance or may have not had enough. You may still be able to recover compensation using the uninsured or underinsured (UM/UIM) coverage under your own policy.
  • Full tort vs. limited tort coverage: In Pennsylvania, drivers have the choice between “full tort” or “limited tort” coverage on their auto insurance policies. The difference between the two types is particularly important when it comes to seeking compensation for pain and suffering.
  • Family members and other passengers: Many people do not realize that one family member may be able to make a claim against another. The presence of non-family passengers can also complicate the insurance picture after an accident.

Our firm has been resolving these issues effectively for clients for many years. We know how to proceed with claims not only against individuals, but against commercial businesses, trucking companies and government agencies whose drivers caused accidents. We also know the nuances of Pennsylvania law such as how UM/UIM relates to “full versus limited tort” coverage.

Get The Counsel And Advocacy You Need

If you’re unsure how insurance will affect your case, don’t worry. Talk over your specific situation with an experienced personal injury attorney from our firm. For a free initial consultation, call 215-550-1968 or simply contact us via email.