An automotive insurance claim starts when you notify your carrier after a crash or a loss. You have paid premiums every month for exactly that moment, and both Pennsylvania and New Jersey require drivers to carry coverage. The trouble is that the policy is a contract written by the insurer, and the first time most drivers read it closely is while they are hurt, out of a vehicle, and under pressure to accept whatever the adjuster puts on the table.
Lead attorney on every case we take, backed by a dedicated legal team you work with directly.
Pull your declarations page out now, before anything happens, and read it while your head is clear. Piecing together medical benefits, liability limits, and stacking provisions during a stressful week after a wreck is far harder than reviewing them on a quiet evening. If a term does not make sense, your insurance representative can explain it, and most carriers would rather answer the question in advance than argue about it later. Not every company puts real effort into that, which is where the disputes begin.
We examine the policy, identify the goals for your claim, organize the records the carrier will demand, and press for the full value of the coverage you bought. You're matched with a lead attorney and a dedicated legal team, so your claim never stalls because one person is unavailable. If your insurer will not pay what the policy owes, contact us and we will review where the claim stands.
Automotive Insurance Claims
You can get insurance for just about anything – including your car. People tend to not think about their actual insurance policies until it comes time to make a claim.
We at Freundlich & Littman, LLC are your automotive insurance claim attorneys. We are here to help you through the process.
Insurance 101
An insurance claim is where you contact your car insurance company after an incident occurred. You make a claim to your insurance money. You pay money towards your insurance policy each month. Most States including Pennsylvania and New Jersey require drivers to carry automotive insurance. Make sure to get out your insurance policy and review it.
Make sure you understand everything in your policy. Understanding your policy will save you a headache later. It is better to understand a complicated policy when you have a clear head than try to piece it together during a stressful time.
If you have any questions or need advice, contact your automotive insurance representative today. Insurance companies generally want you to understand their policies, too. It saves them future headaches as well. Unfortunately, not all insurance companies dedicate effort to quality customer service.
Minimum Coverage
“Medical Benefits: This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.
Bodily Injury Liability: If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/ $30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
Property Damage Liability: If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage. Some companies offer a single limit of $35,000, which meets the bodily injury liability and property damage liability minimum requirements.”
