INDUSTRY INSIGHT
AUTO INSURANCE
SPONSORED CONTENT
MAKING THE RIGHT CHOICES:
INJURED IN A MOTOR VEHICLE COLLISION
M
aking the Right
Choices. If you have
sustained injuries
in a motor vehicle
collision, your first concern should
be your safety and taking care of
anybody who has been injured.
If your car is drivable, get off the
roadway and call 911. In most
areas, if you call 911 and report a
motor vehicle collision, the police
will come to the scene. In some
areas, if both cars are drivable
and no one is injured, the police
will classify the incident as “non-
reportable” and they will not
come to the scene.
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AT THE SCENE:
• If the police come to the scene,
allow the police to gather the
necessary contact and insurance
information.
• Obtain the contact information
from the police officer, including
his name, badge number and department.
• Obtain the incident number for the police
report.
• If the police do not come to the scene, take
a photograph of the other driver’s license,
registration card, and insurance card.
• Verify the driver’s license is for the person
who was driving the vehicle.
• If the other driver tries to leave the scene
without producing information, try to
obtain the license plate information and a
description of the vehicle. Then call in this
information to the police.
• Be careful about what you say at the scene.
Many people who are injured respond to
questions at the scene that they are not
injured.
• If you are injured, tell any police officer
or EMT you are injured. If you are not sure
whether you are injured, tell them you are
not sure.
• If you are in doubt about whether you are
injured, ask for an ambulance to come so that
you can be checked out by the EMTs.
GATHERING EVIDENCE:
• If there are any witnesses to the collision,
try to obtain their name, address, and phone
number.
• Take photographs of the scene and the
vehicles.
• Take note of the weather conditions, road
conditions, or any other unusual conditions
regarding the collision.
MEDICAL TREATMENT:
• If you are injured, go to the nearest
emergency room to get checked out.
• Do not be concerned about medical
bills. Your initial bills will be paid by the car
insurance for the vehicle in which you were
either a driver or a passenger.
• Be sure to tell any healthcare provider who
treats you for your injuries that your
injuries are the result of a motor vehicle
collision.
• Report the fact that you were injured to
the insurance company for the involved
vehicle so that a claim can be opened to
pay your medical bills.
• By law in Pennsylvania, the minimum
amount of insurance coverage that is
available for treatment of your injuries is
$5,000, regardless of who is at fault.
DEALING WITH INSURANCE
COMPANIES:
• Before you talk to insurance company
representatives, it is highly advisable to
contact an experienced personal injury law
firm like ConboyLaw, LLC.
Do not give a recorded statement.
Obtain the advice of legal counsel
before you complete an Application
for First-Party Benefits with your
insurance company.
While it is permissible to give
insurance companies permission to
appraise your vehicle for any
property damage, do not discuss
the details of how the collision
occurred or any injuries with any
property damage adjuster.
Do not discuss any aspect of your
personal injury claim with the other
driver’s insurance company without
obtaining the advice of experienced
personal injury counsel.
Do not sign any documents without
the advice of experienced personal
injury counsel.
Being in a motor vehicle collision can
be an emotional and traumatic event.
It is a confusing time and the process
can be complicated. At ConboyLaw,
we counsel individuals and their
families regarding what to do following
a motor vehicle collision, on a daily basis.
The initial consultation with us is free. We
handle motor vehicle collision claims on a
contingent fee basis, so no fee is owed to
our firm unless we obtain a recovery on your
behalf. If you have been involved in a motor
vehicle collision, call us at 412.343.9060 to
discuss your claim and to learn your rights.
For more detailed information regarding
the various insurance coverages available in
Pennsylvania, email us at [email protected]
to request a copy of our Guide to Buying
Automobile Insurance in Pennsylvania.
Alternatively, call us at 412.343.9060, ext. 5,
and request a copy of our guide to be mailed
to you.
If you have sustained an injury in a motor
vehicle collision, at work or any other type
of personal injury, contact our law firm at
412.343.9060 to sched ule a free consultation
regarding your rights. ConboyLaw, LLC,
733 Washington Road, Suite 201,
Pittsburgh, PA 15228.
Conboylaw.com
LET US BE YOUR VOICE TO OBTAIN ALL
OF THE BENEFITS YOU ARE ENTITLED
TO RECEIVE.
MT. LEBANON
❘
FALL 2018
15