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How Much Auto Insurance Coverage Do I Really Need?

In Pennsylvania, everyone is required by law to have at least $15,000 worth of auto insurance in case they cause an auto accident and hurt somebody. Unfortunately, many, many car owners break this law and are out on the roads driving without any insurance. Some estimates predict that as many as 15% to 20% of (…)

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I’m an Innocent Accident Victim; I have Limited Tort/Limited Coverage – Part 2

As I mentioned in our last post, many clients who come to DLP for help after becoming victims of auto accident through no fault of their own have chosen the “limited tort/limited coverage” option on their auto insurance policies. They have given up their right to recover for pain and suffering unless they suffered serious (…)

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Car Accident? What the heck is Limited Tort?! – Part 1

I can’t tell you how many times a new client recently involved in an automobile accident comes into our offices and states “Thank goodness I have full coverage”. Their hearts sink when a cursory review of their insurance policy reveals that they and their insurance agent have selected “limited tort” coverage. Unfortunately, 99% of our (…)

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LA IMPORTANCIA DE UI/ UIM EN EL CUBRIMIENTO DEL SEGURO DE SU AUTOMOVIL

Muchas personas pagan mucho dinero por el cubrimiento de su seguro, para proteger a extraños que podrían chocar con usted. Así, ellos y la familia de ellos están totalmente protegidos. La mayoría de las personas en Pensilvania maneja con poco Seguro o nada de seguro. A estas personas se refiere la ley como asegurados (UIM) (…)

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Construction Sites and Ladder Injuries – Most are Preventable

The American Academy of Orthopedic Surgeons states that more than 560,000 people are treated for ladder injuries in the U.S. every year. If the proper work conditions, safety instructions, and equipment were provided, countless numbers of these injuries could have been prevented. The Occupational Safety & Health Administration (OSHA) has requirements in place that are (…)

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How No Fault Auto Insurance Laws Can Affect Your Case

The majority of Americans have no clue what “no-fault insurance” is. Of course, this is mainly because most states don’t have no-fault systems in place for auto insurance policies. Twelve U.S. states though, spanning from Pennsylvania to as far as Hawaii, do have systems in which a person who suffers a personal injury in an (…)

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OWNERS ARE RESPONSIBLE FOR WANDERING LIVESTOCK ANIMALS & PETS – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS & MOTORCYCLE ACCIDENTS

Owners of livestock animals and pets have an obligation to make sure that their animals do not wander off of their property onto neighboring roadways.  The reason is obvious . . . animals wandering about or darting onto a roadway can and do cause serious motor vehicle accidents.  In Pennslyvania, every year multiple horses, cows and (…)

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THE PENNSYLVANIA STATE POLICE URGES DRIVERS TO WEAR SEATBELTS – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS & MOTORCYCLE ACCIDENTS

The Pennsylvania State Police is marketing an ad campaign titled “Click it or Ticket”.  The objective of the campaign is to raise awareness of the dangers of driving/occupying a vehicle without a seatbelt.  The campaign warns drivers that they will receive two tickets and two fines if they are cited for a traffic violation and at that time also found to be unbuckled.  (…)

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YOU KNOW THE RISKS OF DRIVING RECKLESSLY . . .DO YOUR TEENAGE CHILDREN? DLP REPRESENTS SERIOUS INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

You know it is extremely dangerous to speed through a construction zone.  You know it is extremely dangerous to drink and drive.  You know it is extremely dangerous to text while driving.  You also know that you should not get into a vehicle as a passenger with any driver who engages in such reckless conduct.  (…)

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SLOW DOWN WHEN DRIVING THROUGH CONSTRUCTION ZONES – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Summer is here!  With the warm weather in Northeastern Pennsylvania comes road construction work.  Pennsylvania law doubles traffic fines for motorists who speed through active construction work zones.  The reason for the increased fines is obvious . . . construction workers are subject to a great risk of injury when a vehicle speeds through an active work (…)

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PENNSLYVANIA LAW ALLOWS RECOVERY AGAINST NEGLIGENT BARS AND RESTAURANTS WHO SERVE VISIBLY INTOXICATED PATRONS – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Pennsylvania law allows innocent victims of drunk driver accidents to recover damages against negligent bars and restaurants that serve visibly intoxicated patrons.  This theory of recovery is commonly referred to as dramshop liability.  These cases are usually very difficult to prove as you need evidence of the drunk driver’s blood alcohol content (BAC) while in the establishment drinking and (…)

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PENNSYLVANIA LAW REQUIRES DRIVERS TO ILLUMINATE THEIR HEADLIGHTS WHEN USING THEIR WINDSHIELD WIPERS – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

On Dec. 1, 2006, the Pennsylvania General Assembly enacted the headlight wiper law, section 4302 of the Pennsylvania Code. It went into effect Jan. 29, 2007.  The intention of the law is to make vehicles more visible to one another in inclement weather.   The headlight wiper law states that a driver must turn on his (…)

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VEHICLE INSPECTIONS PROMOTE SAFETY – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Pennsylvania law requires all drivers to have their vehicles inspected by a state-licensed inspection service facility each year.  Some people consider the vehicle inspection process to be a hassle and/or a “money-grab” by the state.  However, we all benefit from the law because it ensures that unsafe vehicles will be kept off of Pennsylvanis roads.  Obviously, if a vehicle (…)

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NORTHEASTERN PENNSYLVANIA ROADS ARE DANGEROUS – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Anyone that drives in Northeastern Pennsylvania knows that the roads in this area are generally in bad condition.  The Scranton Times reported today that a study issued by the research group TRIP reveals that the condition of Northeastern Pennsylvania’s roads and bridges costs each Scranton/Wilkes-Barre area motorist an average of $1,320 annually.  That total is broken down (…)

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MOTORCYCLE HELMITS PREVENT SERIOUS INJURIES AND SAVE LIVES – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Under pressure from motorcycle enthusiasts, the Pennsylvania legislature repealed the state’s motorcycle helmit law several years ago.  However, statistics continue to show that helmits are effective in reducing serious head injuries and fatalities caused by motorcycle accidents.  Therefore, even though the law does require you to wear a helmit when driving a motorcycle, you would have to be crazy (…)

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WORKERS’ COMPENSATION DOES NOT FULLY REPLACE YOUR LOST WAGES – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Generally, workers’ compensation provides benefits to pay an injured worker lost wages during the period he or she is unable to work due to a work injury.  However, workers’ compensation benefits do not pay the injured worker the full amount of his regular weekly earnings.  Rather, depending on the injured worker’s average weekly wage (AWW), workers’ compensation benefits (…)

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SHOULD I LEND MY CAR TO ANYONE? DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Occasionally, you may be asked by someone if he/she can borrow your car.   Perhaps a friend or a family member’s vehicle is being repaired and they may need temporary transportation.  Alternatively, maybe there are several vehicles in a driveway preventing one from accessing his vehicle so he asks you if he could use your vehicle since it is the last one in-line (…)

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HOW DO I PROTECT MYSELF AGAINST UNINSURED AND UNDERINSURED DRIVERS? – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Northeastern Pennsylvania roadways are littered with uninsured and underinsured drivers.  If an uninsured or underinsured driver’s negligence and carelessness causes an accident wherein you are injured, you may be left without any source of recovery for your damages, including lost wages, medical expenses, and pain & suffering.  The only way to protect yourself against these (…)

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WHAT SHOULD I DO IF I AM INJURED AFTER BEING RUN OFF THE ROAD BY A RECKLESS DRIVER? – DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

If you are injured in an accident caused by a reckless driver who left the scene (hit and run) before you could identify him, there are several things you need to do to protect yourself and your right to recover damages.  Initially, you need to promptly report the accident to the police and your insurance company.  When (…)

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IF THE DRIVER WHO CAUSED THE ACCIDENT HAD AN UNEXPECTED HEART ATTACK, IS HE STILL LIABLE FOR MY INJURIES? DLP REPRESENTS SERIOUSLY INJURED VICTIMS OF AUTO, TRUCK, BUS AND MOTORCYCLE ACCIDENTS

Sometimes motor vehicle accidents are caused by a driver who suffers a medical emergency, such as a stroke or a heart attack, while driving.  Naturally, we all feel sympathy for the at-fault driver under such circumstances.  The medical emergency that led to the accident may leave the at-fault driver dead or severely disabled.  Additionally, he (…)

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