When the days are short and the temperatures drop, car accidents become a daily possibility. Icy roads, vision impaired by snow and slick intersections are the ingredients for a stew of bumper-to-bumper crashes.

When examining automobile insurance coverage, it’s important to remember that Pennsylvania is one of the few states that offers “choice no fault” insurance. This means you can choose to carry no fault insurance or traditional insurance.

If you choose no fault insurance, then after an accident you can collect from your insurance company up to the policy limit no matter who was at fault in the accident. While this is an efficient and timely way to get compensation, it also limits your ability to sue other drivers for their roles in the accident.

Are you less than 50 percent responsible?

If you have a situation in which you choose to seek a legal remedy against the other drivers, you must first determine that you are no more than 50 percent responsible for the accident. If you are less than 50 percent responsible, you can collect from the other drivers’ insurance in proportion to the degree you were at fault. For example, if you were 30 percent at fault and another driver was 70 percent at fault, you could receive an award that is reduced by 30 percent.

This is obviously tricky, but not as tricky as trying to determine fault when more than two cars are involved in a crash, and winter driving conditions are a breeding ground for multiple-vehicle collisions.

If one driver crashes into you, then another driver crashes in to the second driver, who is responsible for which percentage of the accident? If you plan to use no fault insurance, the point is moot because your insurance company will cover your damages up to your policy limit. But if you plan to seek a legal remedy, the details of the accident become very important.

Gather as much information as possible

Where there are multiple at-fault drivers, you need to get as much information as you can to prove your role in the accident. Some possible sources of information include:

  • Police reports, including accident reconstruction
  • Eyewitness statements
  • Photos taken by bystanders or media
  • Surveillance camera footage
  • Damage patterns exhibited on the vehicles
  • Tire tracks and skid marks left on the road
  • Debris from the crash.

You and your legal team can use this information to determine the percentage of your responsibility in an accident.

It rarely gets above freezing in central Pennsylvania during December and January and the beautiful hills and valleys can be especially treacherous. Make sure you have a proper insurance policy for the conditions and, if necessary, be prepared to fight in court for what you need.

X

YOU MAY ONLY UTILIZE THE ONLINE PAYMENT SYSTEM TO PAY INVOICES ISSUED BY EVEY BLACK ATTORNEYS LLC.

Clients may NOT use the online payment system to pay any bankruptcy matter or inheritance tax imposed in an estate administration matter (Evey Black Attorneys LLC will not issue an invoice for these matters). Additionally, any municipal authority/township/borough sewer and/or water customer may NOT make any payment related to any delinquency for which this firm is collecting. Bankruptcy, estate administration tax matters and payments related to sewer and/or water delinquencies must be paid by cash, money order, certified bank check or personal check (personal checks in sewer/water delinquency matters or for inheritance tax payments may not be allowed in certain circumstances).

USE OF THE ONLINE PAYMENT SYSTEM IN VIOLATION OF THE ABOVE WILL RESULT IN EVEY BLACK ATTORNEYS LLC REFUNDING TO THE CREDIT CARD THE AMOUNT OF MONEY ORIGINALLY CHARGED, MINUS ANY TRANSACTION FEES EVEY BLACK ATTORNEYS LLC IS CHARGED, AND A $10 SERVICE CHARGE WILL BE IMPOSED. IN THE CASE OF A BANKRUPTCY PAYMENT, THE ENTIRE BALANCE WILL BE CREDITED AND THE CLIENT WILL REMAIN RESPONSIBLE TO PAY THE TRANSACTION FEES EVEY BLACK ATTORNEYS LLC IS CHARGED PLUS A $10 SERVICE CHARGE.

By clicking to proceed below, you are acknowledging you have read and understood the above restrictions on the use of the online payment system and agree to the charges set forth herein if you make a payment in violation of such restrictions.

PROCEED