Hanover Car Accident Lawyers, York County, PA
Advocacy for car crash victims and their families in South Central Pennsylvania
Hanover is known for its history, agriculture, and retail shopping – and its reputation for being the snack food capital of the country. Some of the main routes that residents and visitors use include Pennsylvania Routes 94, 116, 194, and 216. Drivers routinely use our state and local roads to enjoy living, working, and playing in Hanover. That joy can change in an instant, however, when a driver is careless. Drivers who speed, drive while distracted, or cause any type of car accident should be held accountable for any harm they cause.
When you are injured in a car accident, you need lawyers with the experience and resources to fight the insurance companies and defense lawyers. At KBG Injury Law, our Hanover car accident attorneys have been strong advocates for car accident victims for 30 years. We work with investigators to quickly examine how the accident occurred and determine who is responsible. Our personal injury lawyers work with your doctors to show just how serious and life-changing your injuries are. We settle many car accident claims before they go to trial. However, when insurance adjusters make unreasonable offers, we persuasively argue your case before a jury.
How can we help?
- What are the different types of Hanover car accidents?
- What are some of the reasons car accidents happen?
- What are common car accident injuries?
- Why does my insurance coverage matter, since I didn’t cause a collision?
- Who is liable for my Hanover car accident and injuries?
- What should I do after I am in a car accident?
- How much compensation can I expect to recover for my Hanover car accident claim?
- What is the statute of limitations for a Hanover car accident claim?
- Is there a car accident lawyer near me?
What are the different types of Hanover car accidents?
Our car accident lawyers handle all types of car accidents including single-car crashes, two-vehicle accidents, and multi-car collisions. While most car accidents are due to driver negligence, we also file product liability claims against the manufacturers of defective car parts that may have caused a collision or made its consequences worse. We have investigators examine the accident site, view the damage to the vehicles, and speak with witnesses. We talk to the police who investigated the crash and question all the witnesses formally through a process called “discovery.”
Some of the many types of car accident cases we handle include:
- Head-on accidents. These accidents normally occur when a driver is driving in the wrong lane. Head-on crashes tend to be severe.
- Broadside accidents. These car accidents occur when the front of one car strikes the side of another car, often at intersections and when cars improperly enter traffic. The driver of the car whose side is struck is likely to suffer the most serious injuries.
- These car crashes occur when a driver passes or merges improperly, or a driver in an oncoming lane drifts into your lane.
- Rear-end collisions. These crashes are very common and typically caused by an irresponsible driver who was driving while distracted, tailgating, or speeding.
- Other types of car accidents include chain-reaction accidents, hit-and-run accidents, and buggy accidents.
In most of these cases, it’s clear who is the negligent driver: a driver is in the wrong lane or a driver drives into the rear of another car. They’re almost always responsible.
When single-car accidents happen, we commonly examine whether a defective car part caused the crash. We also file claims when airbags, seatbelts, and other safety devices fail to work as intended.
What are some of the reasons car accidents happen?
Most car accidents occur because someone didn’t think your safety was important enough to act in a proper manner. Most car crashes are due to some type of driver negligence, including:
- Driver distraction. Drivers who don’t have their eyes on the road, hands on the wheel, and mind on traffic are dangerous. Driver distraction includes texting while driving, using a smartphone while driving, eating, drinking, and other types of distraction.
- Drunk driving. Drivers who drink should never drive. It’s that simple.
- Traffic violations. Drivers who speed, fail to yield, pass illegally, or violate other Pennsylvania traffic laws should be held accountable for the injuries and deaths they cause.
- Driving while fatigued. Drivers who are tired should get off the road and rest or sleep.
All drivers should be prepared for snow, ice, rain, fog, and bright sun. Motorists must also adjust their driving according to traffic conditions. Failing to do means that a driver is driving too fast for conditions.
What are common car accident injuries?
According to the Insurance Institute for Highway Safety, more than 1,000 people died in motor vehicle accidents in 2019. Nearly 400 of the people who died were occupants of cars, with another 263 fatalities in pickup trucks and SUVs.
Even with seatbelts and airbags, many drivers and passengers experience catastrophic or permanent injuries such as traumatic brain injuries, spinal cord damage, amputation injuries, and broken bones. Some victims may suffer heart attacks, internal organ damage, hearing loss, and vision loss. Catastrophic injuries affect the ability of the victim to function and perform daily tasks, and many permanent injuries cause chronic pain.
Injuries that do heal may require surgery, long-term physical therapy, and other types of medical care. Common injuries include broken bones, cuts, and bruises, soft tissue injuries, back injuries, and shoulder or neck damage. Even when these injuries reach maximum medical improvement, a car accident victim may live with constant aches and pains. We also represent victims who have to live with scars and disfiguring injuries.
In the most tragic cases, a car accident victim dies. Our Hanover lawyers file wrongful death claims on behalf of the families of loved ones.
Why does my insurance coverage matter, since I didn’t cause a collision?
When you buy automobile insurance coverage in Pennsylvania, you’re required to carry minimum amounts of coverage for bodily injury liability, property damage liability, and medical expense coverage. You’re required to carry $15,000 per person up $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, and $5,000 in medical expense coverage. (The limits were set in the 1980s and haven’t been increased since then.) By default, your policy provides for full tort option – which is a fancy way of saying that you retain all of your rights under the law to seek compensation for all of the injuries that you suffer, without limitation. Your insurance company may offer you more coverage and options to reduce your coverages – but you cannot carry less than the state minimum requirements. Your options and optional coverage under the law includes the following:
- Limited Tort Option. You can lower your premium costs by giving up some of your rights. The rights you give up if you opt for limited tort option are the rights that allow you to collect compensation for your physical injuries (compensation for pain, suffering, loss of life’s enjoyment, embarrassment and humiliation) regardless of how seriously injured you are in a collision. If you elect limited tort option, you must prove that you’ve suffered a “serious injury” in order to collect such compensation. A serious injury is defined as a “serious impairment of bodily function” and what that means has been the subject of much litigation. Suffice it to say that unless you have an injury that is objective (you can see it), permanent, required invasive treatment (e.g, surgery or injections), and impairs your ability to earn a living or participate in activities of daily living (take care of yourself), you probably haven’t suffered a serious injury and won’t be able to collect compensation for you physical injuries, just your economic losses (such as medical expenses, wage loss, impairment of earning capacity, property damage), unless you fall within an exception to the limited tort rule because the collision was (1) caused by a drunk driver, (2) caused by an uninsured driver, (3) occurred while you were a pedestrian or operating a bicycle, (4) occurred while you were occupying a commercial vehicle, or the vehicle you were riding in at the time of the collision was registered outside of Pennsylvania.
- First-party or PIP coverage. You are permitted to buy up to $1,000,000 in medical coverage and as much wage loss coverage as your insurer will offer. Most injured drivers are surprised to learn that, in Pennsylvania, the first place you look to for payment of your own accident-related medical expenses and wage losses are your own insurance company.
- Collision / Comprehensive coverage. This is coverage you can buy to pay for damage to your own vehicle, regardless of who damaged it or how it got damaged.
- Uninsured/Underinsured Motorist Coverage. This is coverage that you can buy to protect yourself in the even that you’re injured by someone who doesn’t have insurance coverage or doesn’t have enough insurance coverage to compensate you fully – so that you have some source of compensation for your injuries.
In short, your insurance will likely determine how your medical bills get paid, whether you can collect compensation for your physical injuries, and how much compensation you may be able to collect.
Who is liable for my Hanover car accident and injuries?
In many car accident cases, more than one person or company is responsible for your injuries or the death of a loved one. At KBG Injury Law, our personal injury lawyers file claims against any defendant who is fully or partially responsible for the accidents. Typical defendants include:
- The driver who struck you.
- The owner of the vehicle (such as parents who own a car that their teenager drove).
- A manufacturer, distributor, or seller of a defective car part
- A seller of alcohol if the sale involved selling liquor to a minor or someone who was visibly intoxicated and that person caused the car accident.
- A governmental agency or entity that was responsible for the design or maintenance of the road or traffic signals where the accident occurred.
Trucking companies may also be liable if a truck driver struck your car.
What should I do after I am in a car accident?
The top priority in any car accident is attending to any injuries. If you or someone in your vehicle is injured, it’s critical to seek emergency medical care as soon as possible – even if you don’t think you’re injured. The police will normally arrange for an ambulance or emergency medical assistance.
Ensure someone calls the police so first responders can help anyone who is hurt, clear the traffic so no further accidents happen, and take a formal report.
If you can, you should take pictures of the accident site, the cars, and yourself. At the scene of the accident, exchange insurance, driver registration, and contact information with the other drivers.
In all car accidents, you should contact seasoned Hanover car accident lawyers as soon as possible. We’ll explain your rights and duties, such as the need to inform your own insurance company of the accident.
How much compensation can I expect to recover for my Hanover car accident claim?
How much compensation you will collect will depend on numerous factors, including:
- Your tort option
- How much first-party medical and wage loss coverage you carried
- Whether you have health insurance coverage other than on your automobile insurance policy
- Whether your health coverage can seek reimbursement from you
- Your pre-accident earning capacity
- The existence of any prior injuries or preexisting conditions
- How much damage was done to your vehicle
- Whether others were financially dependent on you
- Whether you may have been comparatively negligent in causing your own injuries
- How much insurance coverage the at-fault party carried
- How your life has been affected by your injuries
- How you spouse has been affected by your injuries
- Funeral and burial expenses in the case of a death claim
- and more
The amount of compensation you are able to recover may also be dependent on the whether you have a viable claim for punitive damages against an at-fault party.
What is the statute of limitations for a Hanover car accident claim?
The best course of action is to seek legal help immediately. Any delay can hurt your case. In Pennsylvania, car crash victims normally have two years from the date of the accident to file a lawsuit. There may be shorter notice requirements if the state or a state governmental agency is a defendant, which is why you should contact our attorneys as soon as possible after your accident.
Is there a Hanover car accident lawyer near me?
KBG Injury Law is located at 250 York Street in Hanover, PA. We are just a few minutes away from York County district courts.
Connect with a seasoned Hanover car accident lawyer now
At KBG Injury Law, our Hanover car accident lawyers are respected by former clients and insurance companies because of our impressive record of high settlements and verdicts. We answer all your questions and guide you through each phase of the claims process. To discuss your right to compensation, call us at 717-848-3838 or fill out our contact form to schedule an appointment. We have offices in Hanover, York, Lancaster, Harrisburg, and Gettysburg. We proudly represent accident victims and families throughout South Central Pennsylvania.