Types of Auto Accidents

 

Due in part to the many different types of vehicles on the road, there are many types of auto accidents, each of which can present its own unique challenges when it comes to litigation and dealing with the insurance companies.

 

These include:

• head-on collisions

• rear-end collisions

• motorcycle accidents

• trucking accidents

• public transportation accidents, including SEPTA buses and trains

• drunk driving accidents

• accidents involving motorized bikes

• distracted driving accidents

• rollover accidents

• hit-and-run accidents

• recreational vehicle (RV) accidents

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It is also possible to suffer injury in an automobile crash due to some type of mechanical failure in your car.  Such accidents may give rise to claims against automobile repair providers or automobile manufacturers.  Such claims against automobile manufacturers are considered product liability claims, which are often complex cases involving showing a defect in the automobile. 

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Full Tort vs. Limited Tort

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Under Pennsylvania law, drivers have a choice between full tort auto insurance and limited tort auto insurance.  Full tort auto insurance allows injured persons to recover damages for pain and suffering in addition to medical expenses and lost wages.  Under limited tort coverage, an injured driver can recover only medical expenses and lost wages unless he/she can show a “serious injury” or the claim falls under one of several exceptions to limited tort coverage.  A “serious injury” under Pennsylvania law is one that results in death, a significant impairment of a bodily function, or permanent scarring/disfigurement.  Establishing a “serious injury” often depends on getting the appropriate diagnostic testing to confirm the injury. 

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Some of the exceptions to limited tort coverage are (1) you are injured as a pedestrian; (2) you are injured by an intoxicated driver; (3) you are injured by a vehicle that is registered out of state.  If you have limited tort auto insurance, you can still make a claim for damages, but it is important to work with a skilled attorney to evaluate your claim.