Philly Police will no longer respond to "minor motor vehicle accidents" beginning Monday May 3, 2010

Under a new Philadelphia Police Department policy, police will no respond to "minor" car accidents. The purpose is to save money and resources. But this is a very dangerous policy. For instance, who decides what is a minor car accident. (The directive from the Philadelphia Police Department  website is anything but helpful).  Is it the dispatcher who answers the phone when you call 911? What are the criteria for calling an accident minor? Is it the degree of impact? The amount of visible damage? What if there is damage that's not immediately apparent? What if the cars look ok but a tire is blown out or a wheel is damaged in such a way so that the car is not able to be driven from the scene?

car wreck Philadelphia

What's the degree of injury that will now require the police to go to the accident scene? Does someone need to be bleeding?

After 23 years of practicing law and handling thousands of car accident cases, and having been in car accidents myself, I know that people can sometimes act "not themselves" at accident scenes. It's the adrenaline I suppose. And no one wants to admit they did something wrong, like cause a car accident. Police certainly act as a buffer at accident scenes. They are necessary, even in minor accidents.

Will it now be more likely that drivers leave the scene of an accident? Sure it will.

What do you need to do now? First, make sure to get at least the license plate of the other driver at the scene.  Certainly obtaining more thatn that on the other driver, like name, address, phone number, insurance company information is important. But with a tag number you can obtain the information you, your lawyer, and your insurance company will need from the Pennsylvania Department of Motor Vehicles. Second, report the accident to the police immediately and confirm in writing that it was reported.  Go to the local police station if necessary. Most insurance polices require that the police be notified of an accident within 30 days of the accident in order to protect your right to uninsured motorist benefits.  The reason is your insurance company has a right to investigate the case. So you have an obligation to protect their interests as well as your own. Third, make sure you have uninsured motorist benefits on your auto insurance policy. That way if the other driver leaves the accident scene, you have the right to make an uninsured motorist claim against your own carrier, because a driver that leaves the accident scene is defined as an uninsured motorist under Pennsylvania law.

Take a look at this video from CBS3 for more information.

Deceptive advertising and the selling of lousy car insurance coverage in Pennsylvania

Personal injury lawyers in Pennsylvania know too well that their clients get shortchanged when purchasing car insurance coverage, whether directly from an insurance company (ie: Progressive or GEICO), or from an agent. The difference between full tort and limited tort is rarely if ever explained, nor is uninsured (UM) or underinsured (UIM) motorist coverage.

Full tort coverage means that you and your family members have unlimited access to the court system to seek compensation for personal injuries from a car wreck.

Limited tort means that for a lower premium, usually about $100-$200 less per year, you and your family members have a very limited access to the court system if you are claiming compensation for personal injuries following a car wreck.

In real terms, if a person who has purchased limited tort coverage does not have debilitating and disabling injuries, e.g; broken bones requiring surgical repair, herniated disks in the spine requiring surgical repair, then they have no claim. There are very few exceptions to limited tort coverage. Full tort coverage is not limiting at all. Full tort coverage is the better coverage, hands down, and should be the only choice when purchasing auto insurance in Pennsylvania. Uninsured motorist coverage protects you and your family in the event you or your family members are injured in a car wreck by an "uninsured motorist.” Underinsured motorist protects you and your family in the event you are injured in a car accident by a driver who did not have enough insurance to pay for your injuries. Full tort, UM and UIM are absolutely necessary.

I felt it was so important that my clients understood the value of these coverages that I wrote a book on the subject called Purchasing Auto Insurance in Pennsylvania. You can purchase it at Barnes and Noble, or Amazon, or you can get it from my office for free.

Maybe you’ve seen the Progressive television commercial depicting a Progressive insured going into a Progressive store (they do not exist because Progressive sells its coverage online) gleefully surprised that his insurance company is quickly paying for the damage to his car after an accident and also providing the insured a rental car.

 

 

“It’s all part of the price” the Progressive employee says. No kidding! That’s what you pay for when you buy insurance coverage. I don’t mean to single out Progressive. State Farm is not there, despite their ad that says “State Farm is there.” We all recognize the jingle. That’s just effective advertising. State Farm will make it extremely difficult on you if you have an auto claim. And if you’re insured by Allstate you are not necessarily in good hands.