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Motorcycle Injury: What to Do When You Have Been Injured in Berks County, Pennsylvania

When you have been injured in a motorcycle crash, the injuries can be catastrophic. Every serious rider knows that no matter how safe you are, and no matter carefully you abide by the rules of the road and accepted safety practices, the risk of injury is an ever present danger. When you have been injured in a motorcycle accident, what are your first steps and what should you do?

1. Submit Your Medical Bills to Your Motorcycle Insurance.

This first step often confuses people. It is important that you submit your medical bills directly to your own motorcycle insurance carrier. This step in the process often surprises the victims of accidents, because it seems like the other party should be paying the medical bills. Don’t worry! We will get to that later.

However, when you are first injured, your insurance provides you with something called PIP coverage (Personal Injury Protection). This coverage is designed to make sure that you can immediately get medical treatment right after an accident without having any money spent out of pocket. State law requires you to have at least $5,000 in PIP coverage, and you have been paying for it as part of your insurance, so there is no reason not to use it now when you need it. By opening a claim and having your medical bills submitted straight to your motorcycle insurance carrier, you will (hopefully) avoid racking up medical expenses at the beginning of this process. 

2. Get Treatment!

If you have been injured in a motorcycle accident, this next tip may not be that difficult to abide by. Nonetheless, it is extremely important that you get medical treatment for all of your injuries. There is no point in being tough about any sort of vehicle accident. Your injuries will not just get better on their own in most cases. This is particularly true of unseen injuries, such as torn ligaments and traumatic brain injuries (TBI).

The danger of concussions is only now becoming a matter of general awareness, largely due to the news surrounding the National Football League and other professional sports. If you have been diagnosed with a concussion or are experiencing the effects of an impact to your head, which is not uncommon after a motorcycle accident, it is extremely important that you see a doctor, a specialist and anyone to whom they refer you. 

You may have to live with the effects of a traumatic brain injury for much of the rest of your life. Accordingly, the medical records demonstrating such an injury are an important part of demonstrating the severity of your claim and your entitlement to an appropriate financial settlement with the insurance companies. 

3. Call A Personal Injury Attorney to Handle Your Motorcycle Accident

Finally, it is extremely important that you talk to a personal injury attorney right away after your motorcycle accident. It does not matter if you know the full extent of your injuries. You can still talk to a personal injury attorney about your case. At Cornerstone Law Firm, your consultation is free, and we do not get paid until you get paid. We’re here to help, so call us today.

Cornerstone Law Firm in the Greater Reading Merchandiser

Cornerstone Law Firm is honored to serve the Berks County, Pennsylvania and beyond. We’re happy to solve your legal problems, even through the uncertainty and stress of the current coronavirus (COVID-19).

In this month’s Greater Reading Merchandiser, we’re sharing a little bit about ourselves and what we’re doing to make sure your legal needs are still met! Check out are ad:

april 2020 merchandiser

For more information about how we can serve you, contact us today!

What is the Common Fund Doctrine?

The “common fund doctrine” is an important equitable rule of law that personal injury attorneys employ to maximize an injured person’s overall recovery. When you have been injured in a car accident, a truck crash, or some other motor vehicle accident and your medical bills are paid by a health insurer, the common fund doctrine is likely to factor in your total financial recovery. 

In simple terms, in every personal injury case, the injured victims who has to retain an attorney ends up paying part of the recovery to that attorney in exchange for their services. The injured victim can usually deduct the same percentage from the reimbursement to medical providers.

What to Know about Common Fund Doctrine

When someone is injured, their health insurance often pays the bills after the Personal Injury Protection (PIP coverage) is exhausted. This creates a medical lien against the ultimate recovery of money as a result of the injury. So, do you have to pay the full amount of that lien? This is where the common fund doctrine comes in.

The common fund doctrine is a common law, equitable remedy that allows a court to diminish the share of the lien holder’s recovery by the percentage of that recovery that’s attributable to the attorney that brought about the financial recovery. 

We say this is equitable, meaning it is meant to be fair. The lien holders, who would not have been paid back without the attorney’s efforts, should also have to pick up part of the tab for that attorney’s work. As a result, somewhere between 25 and 40 percent of a medical lien can typically be written off and given directly back to the injured party in recognition of the fact that they’ve had to bear the cost of attorneys’ fees.

We can help

Dealing with medical liens is only one part of the complexity of a personal injury case. If you’ve been in a car accident, call the Cornerstone Law Firm and speak with one of our injury attorneys. We don’t get paid until you get paid, and we can offer you a free consultation on the likelihood of a recovery in your case.

February 2020 Recap

What were we up to in February 2020? Our attorneys have been working hard at settling cases and resolving conflicts on behalf of our clients. 

Attorney David Crossett

Attorney David Crossett has been working on a number of personal injury cases in Berk’s County, Pennsylvania. He is helping victims involved in car accidents to receive repayment of their medical bills, lost wages and compensation for their pain and suffering. Most of the personal injury cases he has worked on this month have been cases that are preparing settle based on a demand with the insurance company outside of court. Attorney Crossett also made national news last month, in this case representing Gerald Groff, a U.S. postal worker who is suing his former employer for violations of his first amendment rights. Attorney Crossett has also been deeply involved in a lawsuit in Bucks County over an insurance company refusing to pay for the enormous damage done to someone’s property when a truck ran into their house. 

Attorney Joel Ready

Attorney Joel Ready has resolved several criminal cases with favorable plea deals and another criminal case after a trial in front of a judge in Reading, Pennsylvania. Attorney Ready has also been advising one of our Section 8 Housing clients regarding complaints they’ve received about their facility. Finally, Attorney Ready has successfully settled a personal injury claim for an individual who was injured in a car accident located in the Reading area. 

That’s a quick glimpse at our work in the month of February. We hope you’ve had a great month as well. As always if you have questions about your legal concerns call us at Cornerstone Law Firm.

Injured on 222? We Can Help.

Pennsylvania Route 222, which runs through the heart of Berks County, is becoming not only the busiest but also the most dangerous road in the area. 222 has long been a source of economic growth to Berks County and to Reading, but in recent years, it has become more and more dangerous and has resulted in more and more accidents. If you’ve been injured on 222 in a car accident, the personal injury attorneys at the Cornerstone Law Firm can help you.

Pursuing Settlement

Car accidents can be a life-changing experience. Between the surgeries and rehabilitation required, these injuries demand an enormous amount of time and attention from the injured party. Other results of an accident, such as loss of earnings and chronic pain can create significant stress for the injured victim.

Having a personal injury attorney here in Berks County who understands your situation is important in dealing with the insurance company and any responsible party after the accident. The party responsible for your accident and the insurance companies involved—including your own insurance company in many cases—bear responsibility to ensure that you are made whole after the accident. This includes not only covering your medical bills and settling medical liens, but also putting together an appropriate settlement given the pain involved in your accident and the time you’ve lost at work and from the activities you love.

The process of pursuing settlement for your injuries doesn’t have to be as painful as a car accident. Frequently, cases can be resolved without the need of filing suit or going to trial. All the same, it’s important to have a lawyer who is able and willing to take your lawsuit to trial if necessary.

We can help.

If you or someone you know has been involved in a car accident on 222 or elsewhere in Berks County, Pennsylvania, call the personal injury lawyers at Cornerstone Law Firm for a free consultation. We don’t get paid until you get paid. Call us for a risk-free, no-obligation consultation about your case.

I Missed Work Because of My Car Accident: Does Somebody Have to Pay for That?

After you’ve been in a car accident, there are a lot of details to figure out. In addition to payment for medical bills, surgeries, rehab and so many other things, many victims of injuries find themselves asking, “Who’s going to pay for the time I missed from work?”

Lost wages are a significant component of the cost of a car accident to the injured party. Lost wages from time off from work can result not only in the immediate aftermath of the injury but far down the line, as well.

Lost Time and Wages

Whether attending doctors’ appointments, going to repeated rehabilitation sessions, having consultations with orthopedic specialists, and even in some cases, attending court proceedings arising out of the accident, car accidents result in lost time and wages.

In all of these instances, the wages lost should be calculated as part of the damages that the insurance company is required to compensate you for as a result of your accident. In some cases, insurance companies will tell the injured party that they are not entitled to compensation for lost wages. They may give the victim of an injury a hard time about claiming lost wages, particularly where someone’s job makes wages a little harder to calculate.

For example, a salesperson who is no longer able to do the physical demands of a job, such as getting up on a roof or otherwise doing physical labor to determine the appropriate amount to quote on a job, may see their earnings diminish significantly. Yet an insurance company may claim that these damages are speculative or that they cannot be appropriately quantified.

In another example, an individual who loses out on seasonal overtime pay or a second job for a holiday weekend may be told that they can’t claim these damages from insurance.

Maximize Your Appropriate Recovery

Insurance adjusters are paid to keep your damages at a minimum after a car accident. Shouldn’t you have attorneys on your side to maximize your appropriate recovery?

If you’ve been injured, call the Cornerstone Law Firm to speak with one of our personal injury attorneys. The consultation is free, and we don’t get paid unless you get paid. Call us today to discuss your case.

Injured as a Pedestrian

Every day, throughout the United States, pedestrians are injured by cars, trucks, buses and other automobiles. For purposes of the discussion below, it doesn’t matter what type of vehicle hit you, nor does it matter what you were doing when you were struck (that is, whether you were running, crossing the street, walking on a sidewalk, or something else).

If you’ve been hit by a vehicle as a pedestrian, here are three things you should consider in evaluating your right to compensation.

1. Your car insurance will pay for your medical bills

First off, many people are surprised to learn that their car insurance is involved at all in an injury in which they were not in their car. But your car insurance covers you, not only when you’re driving in a car, but anytime that you are injured in a car accident.

This includes when the negligence of another driver causes your injuries, even if you were outside of the car at the time. The other party’s car insurance will be liable for some aspects of your injuries (more on that below), but your car insurance will pay your initial medical bills.

The other party’s car insurance will be liable for some aspects of your injuries (more on that below), but your car insurance will pay your initial medical bills.

hit by a vehicle a a pedestrian

That’s right. Even though you may not have been at fault at all for your injuries, your car insurance will pay the first several thousand dollars of your medical costs. Sometimes, an injury victim doesn’t like to hear this. They want to “go after the other guy” to make him pay for the injuries. But Pennsylvania law provides that everyone’s car insurance should cover the first several thousand dollars of injury coverage (and sometimes more) in order to ensure that you are able to immediately seek medical treatment.

There’s no copay associated, which means that even if you have health insurance, you should send the bills to your car insurance first, until they no longer have any coverage left for you. This type of insurance is called “Personal Injury Protection,” or “PIP.” So, make sure that your car insurance pays the first bills that you receive.

2. You’re entitled to recover for pain and suffering as well as lost wages in most cases

When you are hit by a car while walking, you are entitled to payment for your medical bills, of course, but you’re also entitled to recover from car insurance for your pain and suffering, for lost wages, and for the inconvenience that the injuries have caused you. Just paying your medical bills doesn’t make you “whole.”

After a personal injury, you will deal with the inconvenience of your life being disrupted, of being able to do daily activities such as exercise or sports you enjoy, or even shop for yourself or play with your kids. You are entitled to compensation for all of this. The car insurance should also pay for your lost wages and for other damages.

An experienced personal injury attorney can help you identify these and other types of damages you’re entitled to under the law.

3. What if I’m “Limited Tort?”

In Pennsylvania, “limited tort” insurance designations do not apply to pedestrians who are injured by a car, truck or other vehicle. This means you will be considered “full tort” by your car insurance in assessing your right to compensation.

Conclusion: You need an experienced attorney by your side to resolve your charges.

If you’ve been injured while traveling on foot, call the experienced attorneys at the Cornerstone Law Firm. We want to help you get the help you deserve and need. It’s important that you not merely take an offer provided by an insurance company for your injuries. You should have it carefully reviewed by an injury attorney who is experienced in reviewing these types of offers and in maximizing your compensation. Call us today!

You should have it carefully reviewed by an injury attorney who is experienced in reviewing these types of offers and in maximizing your compensation. Call us today!

Understanding Your Car Insurance

Good car insurance is one of the most important assets that an individual can have.

A car accident can wreak havoc on an individual’s life—and insufficient car insurance can make it difficult or almost impossible to catch up on the medical bills that result and to seek treatment from injuries. Unfortunately, too many people don’t take a look at their car insurance coverage until after a car accident has already occurred. So, here are three things that your car insurance should cover for you after a car accident:

1. Car Insurance Protects You – Personal Injury Protection (PIP)

Personal Injury Protection (also known as “PIP”), is one of the least understood and most important aspects of comprehensive car insurance. We’ve covered PIP in more depth before, but in short, PIP coverage is your insurance provider’s obligation to pay your medical bills regardless of who’s at fault in the accident. You can be assured that your car insurance will pay your medical bills up to a certain amount. Why is this?

Sometimes cases can get bogged down into litigation for years, and the insurance companies can’t agree who’s at fault. Accordingly, PIP coverage is required to be offered by insurance companies in Pennsylvania so that, after a car accident, you have a reliable source of payment for those medical bills from your own insurance company.

2. Underinsured and Uninsured Motorist Coverage

But what happens when you’re hit by someone else, they cause injuries and their insurance doesn’t cover the extent of your injuries? What if someone is driving without any car insurance at all, and they hit you? In these cases, your own insurance may cover you under the “uninsured motorist coverage” portion of your policy. Similarly, if they don’t have sufficient insurance, underinsured coverage provides extra money for you to cover your injuries.

In Pennsylvania, you are always given the opportunity to “waive” uninsured or underinsured motorist coverage—that is, you may decline the coverage in exchange for a lower premium. This is generally a very bad idea. You should not waive this coverage, because this might be the only way that you can be covered if you’re in an accident and your damages are serious. The law only requires drivers to carry $15,000 in coverage.

If you’re in a serious car or motorcycle accident, this won’t be nearly enough to cover your medical bills, time off work and compensation for your pain and suffering. In that case, while your own insurance will have to cover your medical bills up to a certain point, after that you will be unable to obtain any additional payment for your pain and suffering or any medical bills that are in excess of that amount.

You can’t control whether other drivers are responsible, but you can insure against their irresponsibility. It’s important that you have substantial underinsured and uninsured motorist coverage in case you’re in a car accident so that you aren’t left without anyone to pay for those bills.

3. Third Party Liability

This third one is the least exciting of all insurance coverages, but it’s extremely important. Your car insurance indemnifies you in the event that you are in an accident that causes someone else harm. Hopefully, all of us try to be safe and careful drivers, but accidents do happen.

In the event that you cause a car accident and someone else is badly injured, you are personally on the hook for any injuries that you cause. This means that if you own a home, that house could even be in jeopardy if you injure someone badly enough. It doesn’t take much to be seriously injured in a car accident or a motorcycle crash.

Accordingly, you can do substantial damage that could wipe out all of your assets after a car accident. That’s why third-party liability coverage on your insurance policy is so important.

Conclusion: Car Insurance, a Social Safety Net

Car insurance plays an extremely vital role in our society, ensuring that anyone who’s injured on the road has a path to recovery. At Cornerstone Law Firm, we help people navigate the confusing world of car insurance claims after a car accident.

If you or a loved one has been injured in a motorcycle or car crash, or if you’ve been hit as a pedestrian by a vehicle, please call the personal injury attorneys at the Cornerstone Law Firm today so that we can discuss how to properly handle your insurance claim.

What is Subrogation?

If you filed a claim with an insurance adjuster after a car accident or any other type of motor vehicle accident, there are a few unusual terms that you are going to hear. One of them is “subrogation.” You may hear about it first from the claims adjuster that you’re dealing with at the insurance company. Or perhaps you’ll get a letter from your own health insurance company saying that they’ve subrogated claims or that they believe they have a right of subrogation. So, what is this that they’re talking about, and what should you do about it? Do you need a subrogation lawyer?

subrogation

Subrogation is the right to be reimbursed

Subrogation is a strange word, but it’s fairly simple. It means that someone else has purchased your legal rights from you—even if you didn’t know it! The most common situation in which this arises is when a medical insurance provider pays for your medical care after an accident. In this situation, the medical provider or the health insurance company has a right to be reimbursed by you if you receive a settlement for your personal injury claim.

When you think about it, this makes sense. Someone who pays for your medical care generally ought to be partially reimbursed for their payments if you get paid by the person who hurt you. Similarly, if a hospital or other medical provider remains unpaid for treating you after you are injured, they are usually going to try to be first in line to get reimbursed after you are compensated for those injuries.

But having said all of that, just because someone claims the right of reimbursement doesn’t mean they actually have a right to reimbursement. This is a complicated area of the law. Subrogation is what is known as an “equitable doctrine.” The insurance company or medical provider may have a right of subrogation but that right is limited by a number of important legal principles that a subrogation lawyer or personal injury attorney can help you work through.

Your Personal Injury Claim is Affected by a Subrogation Claim.

One thing people often do not realize when they are negotiating with an insurance adjuster about their personal injury claim is that these subrogation rights of other parties have to be considered when determining the proper amount of compensation for a personal injury claim. In other words, if a medical insurance provider has already paid for your medical bills, the car insurance company involved is typically going to be responsible for providing you with enough money to reimburse them for the amount of money that they paid.

Sometimes an injured party will be negotiating a settlement and believe they are going to receive a certain sum of money from the insurance company only to find out that the entire amount of money will have to be handed over to a medical provider. This should not be the case. The insurance company is responsible for compensating you for all of the injuries you’ve suffered and to make sure that there’s money left over to compensate you for the pain and suffering you’ve experienced. This is where having an experienced personal injury lawyer to help you value your claim and protect you against third-party creditors is extremely important.

Do I Need a Subrogation Lawyer?

If all of this sounds a little bit confusing, don’t panic. An experienced subrogation lawyer can help you to figure out whether your personal injury claim is being properly valued by the insurance company when taking into account any right of repayment that a medical provider or medical insurance company may have.

At Cornerstone Law Firm, our attorneys have extensive experience in the areas of personal injury and subrogation. Our lawyers know how to help you to compromise liens which may be placed against you and how to deal with those claiming a right of subrogation. They can help to defray the costs that would otherwise accrue you and they can help to maximize your recovery. If you’ve been injured in a motor vehicle crash or if you’ve been injured in another way and someone has contacted you about a right of subrogation, call us right away.

Three Things to do after a Berks County Car Accident

If you’ve been in a car accident in Berks County, Pennsylvania, there are three things you should consider doing right away. In this video, Attorney David Crossett breaks down immediate steps you should take.

If you’ve been injured in Berks County or elsewhere in Pennsylvania, give us a call. We’d be happy to talk with you about your case.