Category: What’s New

Each week we compile a list of important facts that most people don’t know, and as a result, could harm them or their claim. As the week goes on we share more information on each fact.

We explained yesterday what a phantom driver accident is, and what kind of coverage you should have on your insurance policy to protect yourself just in case you are ever the victim of a phantom driver. In this post we are going to go a little more in depth on what you should do when a phantom driver accident occurs.

Did you know in Pennsylvania another vehicle does not have to physically touch your vehicle to be treated the same as a hit and run?

Too often people come to us thinking they have “full coverage” on their insurance policies only to find out too late that they have the basic coverage required by law, or not enough coverage to pay for the hospital bills and damages.

It’s common for us to ask if you have full tort on your insurance policy and many times people will respond with, “I have full coverage.” Full coverage and full tort are not one in the same.

People choose limited tort on their policy because it saves them a little money right now, but if you get in a bad accident it won’t save you anything; in fact you could cost you thousands.

Insurance companies follow strict legal definitions of what serious injury really is, and even though there is a serious injury exception for limited tort, you still may not get compensation for your pain and suffering.

Whatever option you choose, full tort or limited tort, it could affect your family, too.

Nurse case managers, or rehabilitation nurses, will sometimes be assigned to monitor your recovery after your work injury. These nurses are hired by the insurance company. They are to report back to the company on doctor’s recommendations and will normally suggest or guide the injured worker to different doctors or specialists.