If you commute in the Philadelphia area, you’re probably familiar with long backups caused by car accidents. No matter when or where you drive, it’s likely that you’ve witnessed the aftermath of a car crash at an intersection, in a parking lot, or on the highway. Unfortunately, that increases the likelihood of being involved in a car accident, which means that it helps to be prepared. Here are five things that you should know about car accidents in Philadelphia and what to do if you’re in one yourself.

car crash

5 Things You Should Know About Philadelphia Car Accidents

What to Do Following a Car Accident

Even the most minor car accident scenes can be hectic. Maybe someone is injured, having a panic attack, or simply doesn’t know what to do. If you were involved in an accident, stay at the scene (as long as you aren’t injured). The first step is to call the police or ambulance. While waiting, take pictures of the scene if possible, then exchange contact information with the other driver. One of the most important things you can do is to stay at the scene; hit-and-run convictions carry severe consequences. For a more detailed list of what to do after a car accident, click here.

Determining Liability

Liability plays a big factor in all car accident cases. That’s because Philadelphia uses comparative negligence to determine liability and compensation amounts. Philadelphia’s comparative negligence laws state that a party can seek compensation for car accident damages as long as that party’s involvement was determined to be under 51%. Car insurance companies determine liability in car accidents by using evidence like police reports and accident scene photos. Someone found partially at fault in an accident has his or her damages reduced by their percentage of fault. 

Philadelphia Car Insurance Insurance Laws

Everyone who drives in Philadelphia is required by law to carry car insurance. The state determines the minimum amount of coverage a driver is legally allowed to carry, although PA is unique in that it gives drivers the option to choose no-fault insurance coverage. Pennsylvania law mandates that the following must be included in a driver’s insurance policy:

  • Medical Benefits
  • Bodily Injury Liability
  • Property Damage Liability
  • Limited or Full Tort

Philadelphia Car Accident Statute of Limitations

In the state of Philadelphia, a person injured in a car accident has two years from the date of an accident to file a claim. It’s important to understand the statute of limitations after being involved in a car accident so you can file a claim on time. When it comes down to negotiating with insurance companies and determining fault, you should consider consulting with an attorney as soon as possible to start building your case. 

When to Hire a Car Accident Lawyer

Car accident injuries are shockingly common, affecting thousands of Philadelphia residents yearly. If you were injured in a car accident and are curious about your options, a lawyer can help you choose the best course of action for your case. Whether your case goes to court or not, an experienced car accident lawyer can help you through the aftermath of your car accident. Your lawyer can negotiate with insurance, gather evidence for your case, and represent you if you decide to sue. If you need legal advice in a Philadelphia car accident case, the Jason Javie Law Office can help you understand your rights. Contact us online or by phone to schedule a consultation.