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Auto Accidents Archives

AUTO COVERAGE TRAGEDY

During winter months, slick, wintery roads create dangerous driving situations, which may increase concerns about being involved in an auto accident. While you might think that you've taken the necessary precautions to prepare for winter's worst, you may be overlooking a key component: Your present insurance plan may not supply ample coverage to you and your family if you are severely injured in an accident. Here at QuatriniRafferty, we can't control the weather, but we can help you to gain control of your auto insurance policy so that you and the ones you love are fully prepared for all that winter might bring.

Please, take a little extra time and remove the snow from your car.

Thumbnail image for Thumbnail image for CAR.jpgHave you ever been in a big hurry in the morning after it snowed? Have you ever just scraped enough snow and ice off of your windshield so you could kind of see out - hoping that the heater will melt the rest of it after you start driving?

Comeback Award of 2014

At Quatrini Rafferty, every day we talk with and work to protect the rights of people who are injured in an instant and have their lives changed forever. The news media tells us about motor vehicle collisions that occur on our highways, but very rarely do you hear about how significantly those motor vehicle collisions impact the victims and the families of victims of motor vehicle collisions. There is finally a story in the news that gives us some details about how painful the road to recovery can be after an injury.

Hidden Risks in Ride Sharing

There has been a lot of information in the news about ride sharing services. You may have heard of the legal issues that have come up in regard to ride sharing services such as Uber and Lyft. These services are available on the Internet and offer to connect you with drivers who can provide you with a ride. This is a new concept in Pennsylvania and our lawmakers and the Public Utilities Commission are trying to hammer out details.

Making Sense of Your Auto Policy

We have heard clients comment that they never really read their auto insurance information prior to their motor vehicle collision. Unfortunately, after you are in an accident, it is too late to make sure you have the coverage you need. Take just a little bit of time to do some "preventive maintenance." Here is our advice about the coverage you should have in place to protect you and your family.
TORT OPTION: FULL TORTThis is the most important choice when selecting your coverage. Always choose the full tort option which provides the most complete protection. If you do not choose full tort, you give up important legal rights. This holds true even if an accident is not your fault.The person who makes the tort selection binds the entire household and everyone covered under the policy. Selecting full tort is "easy." There are no forms to sign to select it. You actually have to sign a form to opt out of your rights under full tort.
MEDICAL COVERAGE: $10,000.00 MINIMUMThough you must purchase at least $5,000 of medical coverage, we recommend at least double that amount for medical coverage, or "first party coverage" as it is called in Pennsylvania. If you do not have health insurance, you may want to purchase even more coverage which will pay medical bills if you or a family member are hurt in a collision.
WAGE LOSS COVERAGE: CHOOSE IT!If you are hurt in an accident and not able to work, wage loss coverage will keep money coming in to pay your bills while you are off work. If you do not have this coverage, you must wait to get your wage loss covered by the person at fault for the collision. This process can take a long time because the wage loss payment is part of a one-time, lump-sum payment. Though Pennsylvania does not require that you carry this coverage, most people who become involved in an accident are thankful they purchased it.
UNINSURED AND UNDERINSURED (UM/UIM) COVERAGE: $100,000.00 MINIMUMJust like wage loss coverage, this coverage is not required under Pennsylvania law - BUT you do not want to go without it. This important coverage protects you and your family if you are hurt by a person who has little or no insurance. To make this coverage even more valuable, you want to "stack" uninsured and underinsured motorist coverage. If you have several cars in your household, you can collect this type of coverage from another car in your household. This coverage may also provide protection even if you would be involved in an accident that does not involve your auto.
Full Tort + Wage Loss Coverage + stacked UM/UIM coverage = the best protection for you and your family.

WHERE DO YOU DRAW THE LINE ON DISTRACTED DRIVING?

Pennsylvania lawmakers have drawn the line as to what will soon be considered illegal driving practices. New provisions in the law will go into effect in March 2012 to attempt to limit the use of "interactive wireless communications devices." This term includes the use of wireless telephones, smart phones, portable or mobile computers or other similar devices, but does not include GPS or navigation systems. The changes to the Pennsylvania Vehicle Code will outlaw driving while using such devices to send, read or write a text-based communication.This offense is a primary offense, which means that law enforcement personnel can issue a citation for the offense even if the driver is not violating any other section of the Vehicle Code. In contrast, the seat belt law in Pennsylvania is a secondary offense - this means that an adult driver must be cited for some other violation before an officer can add the lack of use of a seat belt to the citation. The fine for a driver who commits the new summary offense of using an interactive wireless device in violation of the statute is $50.The new law makes no move to control the use of wireless communication devices for telephone calls which is something that was debated by the legislature. Thus the question arises: does the new legislation go far enough to discourage distracted driving?
Distracted driving includes activities such as:

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