Car Crashes On I-80 And Regionwide: FAQs

If I am injured due to other driver's carelessness, what should I do and what can I recoup?

How is my right to claim noneconomic damages, i.e., pain and suffering determined?

If I have reviewed my policy and discovered I have chosen "limited tort" what should I do?

Hiring attorneys to represent me is a very costly proposition. If I am injured in an automobile accident and unable to work, how can I afford to hire an attorney?


If I am injured due to other driver's carelessness, what should I do and what can I recoup?

First and foremost notify your insurance carrier immediately and request a claim number and then contact Casale & Bonner, P.C. The Pennsylvania automobile insurance system requires your own insurance company to pay your medical and prescription expenses up to the limit of your policy. This is usually $5,000 or $10,000. Thereafter, your health insurance, if you are covered, is responsible for all expenses.

As for loss of income, the first five (5) days are the responsibility of the other driver's insurance. After five (5) days, the coverage, if any, under your own policy begins to cover this loss. Any amount over your own policy limit is the responsibility of the other driver's insurance coverage.

Medical expenses and lost income are known as first party items of loss or economic losses. Noneconomic losses, i.e., pain and suffering claims are determined by the type of coverage you have chosen in your insurance policy.

How is my right to claim noneconomic damages, i.e., pain and suffering determined?

When you purchase insurance for your vehicles you choose between "full tort" and "limited tort" coverage. A better description is full right to claim all damages caused to me and a very limited right to so do.

If you have chosen "limited tort," your right to claim noneconomic loss is determined by whether or not you have suffered an injury classified as a serious impairment of a bodily function.

Although this may mean one thing to you, the injured party; unfortunately, the appellate courts of Pennsylvania, have a very limited meaning to this classification. A recent decision held that an injured passenger who suffered permanent nerve damage and constant pain, by choosing "limited tort" had given up all claims for pain and suffering and could not recover any monies from the responsible driver's insurance company.

How could this occur, I thought I could always claim compensation for legitimate injuries caused by an irresponsible driver?

The Pennsylvania lawmakers, in order to reign in the ever increasing cost of automobile insurance, passed a law allowing you to give up your rights. Certainly, most people who contact the attorneys at Casale & Bonner, P.C., after an accident are completely unaware that their decision, made when they purchased insurance, meant they gave up important rights. A large majority of potential clients of our firm are therefore, understandably, very dismayed when we have to advise them that they have surrendered important rights and have lost potentially thousands or tens of thousands of dollars in justifiable claims.

There do exist very restrictive exceptions to this situation; i.e., a drunk driver. You should contact Casale & Bonner, P.C., even if you have unwittingly chosen "limited tort" for a full explanation of your rights.

If I have reviewed my policy and discovered I have chosen "limited tort" what should I do?

We advise all clients to immediately contact their insurance agent and change their policy to "full tort" coverage.

This change will result in the liability premium of your policy increasing approximately 20 percent. This normally will result in an approximate overall premium increase of $80.

Statistics show that a vast majority of citizens, nearly 85 percent, will be involved in at least one automobile accident in their lifetime. When this happens, Casale & Bonner, P.C., wants all of their clients to have the right to be fully compensated for all damages and injuries sustained. All readers of this website are encouraged to have "full tort" coverage on their automobile policies.

Hiring attorneys to represent me is a very costly proposition. If I am injured in an automobile accident and unable to work, how can I afford to hire an attorney?

At Casale & Bonner, P.C., we do not charge any hourly fees in automobile claims against irresponsible third-party drivers. All such claims are handled on a contingent fee basis. This means, unless we successfully recover monies for our client, there is no fee due to Casale & Bonner, P.C.

At Casale & Bonner, P.C., we believe it is a public service to meet with injured potential clients and inform them of their rights and responsibilities. Our attorneys will typically aid clients in claiming first-party benefits, i.e., medical expenses and loss wage claims, without charging any fee.

Casale & Bonner, P.C., desires to serve you as a client, in the most professional and economical way possible. If you have been injured in an automobile accident, please contact us immediately for a free consultation. You have the right to be fully informed of your responsibilities and justifiable claims. Casale & Bonner, P.C., wants to provide this service to all potential clients.


Casale & Bonner, P.C., is happy to answer your personal injury questions. Call us at 570-326-7044.