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By Joyce Novotny-Prettiman, Esq. Everyone is pinching pennies in these complicated economic times. As dangerous as it is, some households will choose to go without auto insurance. This means you must be more vigilant about your own auto insurance coverage. According to figures released in 2006 by the Insurance Research Council, 15 percent of drivers…
By Joyce Novotny-Prettiman, Esq. Understanding your auto insurance policy can be a challenge. Most people rely upon information they hear in the news, “war stories” of their friends, or advice they receive from others when making insurance decisions rather than reading the language in their insurance policy. Practically speaking, you unfortunately learn the most about your…
By Joyce Novotny-Prettiman, Esq. After an automobile collision, your auto insurance company pays your medical bills. This streamlines the medical claim process and simplifies the task of getting your medical bills paid quickly. It does not matter who caused the accident – it is always your insurance company that has the primary obligation to pay your…
By Richard H. Galloway, Esq. and Joyce Novotny-Prettiman, Esq. If you are injured in an auto accident, you may have a claim for damages against the driver who was negligent in causing the accident. This is known as a civil claim because the conduct in question involves negligence, rather than an intentional act, which would be…
By Joyce Novotny-Prettiman, Esq. After an auto accident, many of our clients are surprised to learn that their own insurance company pays their medical bills regardless of who caused the accident. In Pennsylvania, all auto insurance policies must provide at least $5,000 of coverage for medical bills, known as first-party coverage. You should check your policy…
Combination First-Party Auto Insurance Benefits By Joyce Novotny-Prettiman, Esq. Imagine having insurance coverage that you can adjust to fit your needs. That is a nice idea but it usually is not an option. While it is rarely used, the Pennsylvania Motor Vehicle Financial Responsibility Law does provide for flexible coverage that is called a combination benefit.…
On January 29, 2007, the Vehicle Code of Pennsylvania will add a new provision that all Pennsylvania drivers must follow. From that date on, the law will mandate that drivers turn on their car’s headlights whenever weather conditions dictate any use of windshield wipers. This commonsense law recognizes that when rain or snow is sufficient…
by Joyce Novotny-Prettiman, Esq. and Richard H. Galloway, Esq. When the snow flies and after you tuck your convertible into storage, you drop the car insurance on that vehicle for the winter. Or maybe you have a Mustang that you are refurbishing and, while it is up on blocks, carrying car insurance seems silly. What if you…
By Joyce Novotny-Prettiman, Esq. and Richard H. Galloway, Esq. Every day most of us use a car to get to work or school, to get chores and errands accomplished, or just for fun. The Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL) controls how car insurance works in the Commonwealth. The law takes its name from the concept…
By Joyce Novotny-Prettiman, Esq. Lower car insurance premiums may sound like a good idea. Statistics show that over 40 percent of car insurance consumers are opting for “limited tort” coverage in western Pennsylvania; however, as the saying goes, there is no such thing as a free lunch. While it is true that you may save money…