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LET OUR TEAM FIGHT FOR YOUCar Accident FAQ
Answers from Experienced Attorneys
For more than 135 years, our firm has provided capable representation to clients during their unique legal battles throughout Pennsylvania. With a history of excellence and dedication to success, our firm has become one of the most established firms in the state. As such, our clients benefit from our attention to detail, our commitment to client satisfaction, and our extensive resources.
Whether you've been injured as a passenger or as the driver in a car accident, you may be able to pursue compensation for your injuries with a skilled lawyer from our firm. We operate on a contingency-fee basis, meaning you don't pay us unless we obtain a settlement on your behalf.
Let us get your case started with a free case evaluation! We're available 24/7 to take your calls. Call (888) 286-2850 today.
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If you were injured in a car accident, you should seek medical treatment immediately. You should then consider contacting a personal injury attorney.
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Where your vehicle is repaired depends on which insurance company is paying for the repairs. Each insurance company has its own policy. Some have preferred providers and others will allow you to choose.
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The insurance company of the at-fault vehicle is responsible for those costs, but your own insurance company may pay for towing and storage and try to recoup the payments from the at-fault driver's insurance company.
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The insurance company paying on the claim will determine whether a car is repairable or totaled. They do so by taking estimates on the car value and damage. If the cost of repairing the car is more than the car's market value, then the car will be considered totaled.
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If your vehicle is considered a total loss, the insurance company paying fair market value will pay the finance company. If there is an outstanding balance after fair market value is paid, then your gap insurance (if applicable) should cover the remainder.
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Pennsylvania is a comparative negligence state. This means that you can be assigned a certain percentage of fault in an accident and still be able to recover compensation, as long as you're not more than 50% at fault.
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Yes, seek medical treatment immediately. Contact your insurance company to open a medical claim for those bills to be paid.
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Pain and suffering compensation is based upon an examination of your case as a whole. All factors must be considered, including your age, your diagnosis, type of treatment, prior medical history, etc. An experienced personal injury lawyer would be able to accurately assess your pain and suffering value.
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You can make a wage loss claim with the at-fault driver's insurance company. You may be able to receive income loss benefits from your own car policy, which are a form of first party benefits. First party benefits may be recovered under an auto policy on which you are a named insured or under an auto policy covering you as an insured. Additionally, you may be able to recover first party benefits under a policy that insured the motor vehicle you were in at the time of the accident. If you are a pedestrian involved in an auto accident, you may be entitled to first party benefits under the policy of any motor vehicle involved in the accident. If you are the owner of a currently registered motor vehicle who does not have financial responsibility, then you cannot recover first party benefits.
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If you consent to a recorded statement, the insurance adjuster or their investigator will ask you a series of questions about how the accident happened, your injuries, your medical treatment, and your wage loss. These questions are designed to provide the insurer with information that will help them defend the claim. You are not required to give a recorded statement and should consult with an attorney first. Generally, you have a duty to cooperate with your own auto insurance company; but giving a recorded statement to the at-fault driver's insurance company is different than giving a recorded statement to your own insurance company.
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If you are injured in a crash caused by a driver who has no car insurance, you or your attorney will need to determine if you can make an uninsured motorist (UM) claim under your car insurance policy. You may be able to make an uninsured motorist claim under the policy covering the vehicle that you were occupying at the time of the accident.
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Yes, you can still hire an attorney if the at fault driver's insurance company has made an offer, as long as you have not already accepted the offer verbally or signed settlement release documents which bind you to accept a certain amount. Keep in mind that it is always best to contact a personal injury lawyer immediately after a car accident, before a settlement offer is made.
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Under "limited tort" insurance, you and members of your household that are covered under your auto insurance policy can try to recover compensation for all out-of-pocket and medical expenses. Generally speaking, you may not seek compensation for non-monetary damages such as pain and suffering, unless your injuries can be defined as "serious injury." Under Pennsylvania law, a serious injury is considered to be one which results in death, serious impairment of body function or permanent serious disfigurement. Other limited tort exceptions may allow you to fully recover damages in these situations:
-If the person responsible for the accident is found guilty or if he or she agrees to accepting an Accelerated Rehabilitative Disposition (ARD),
-If the accident involved driving under the influence of alcohol or other controlled substance,
-If the person responsible for the accident is driving a registered out-of-state vehicle,
-If the person responsible for the accident purposefully injured another or him/herself,
-If the person responsible for the accident has shirked financial responsibility,
-If you occupied a vehicle other than a passenger vehicle at the time of the accident -
Out-of-state cases are handled by our office on a case by case basis. If we are not able to handle your case due to jurisdictional concerns, we can certainly provide you with a referral to another law firm that may be able to assist.
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A personal injury lawyer can fight for the money that you need and deserve by law. He or she can help you collect money to pay for medical expenses, wage loss, pain and suffering, and other injury related expenses.
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"I used Metzger Wickersham for a personal injury dog bite case. Attorney Love was great to work with and made the whole process smooth and painless. Everything was explained with detail, the team was ..."Jessica B.
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"I thank you, Mr. Craig Love. You are a very honest person and explained every detail of my case."Elsie J.
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"You all did a great job for me. You kept in contact with me through everything. I would recommend you to everyone."Ruth M.
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"Thank you card from HHS KeyClub."HHS KeyClub
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"I was involved in a car accident (not at fault), that seemed like it would be straightforward. The at-fault driver accepted fault and so did their insurance company. The problem was that they wanted ..."M.H.
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"I worked with [Attorney] Zachary Campbell & [Paralegal] Tammy Dagrosa & they were AMAZING! They helped me win my case & handle my medical debt from my accident! Thanks to them, my daughter & I will be ..."Former Client
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"I had never dealt with a personal injury firm before, but my neighbor recommended that I contact Metzger Wickersham because they used that firm and were happy with the results. I talked to them and ..."Erik R.
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"Thank you note from a former client."Previous Client
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"Thank you card from a former client."Former Client
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"I am absolutely and completely impressed with this firm. Them adding attorney, Lori Painter, to the team was a smart decision. Lori went above and beyond for me during my SS disability appeal process ..."Kimberly B. D.
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"I worked with Troy and he was wonderful. Thoughtful, caring, always was there when I needed explaining or answers. Thanks, Troy."Jeremy L.
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"Our goal was accomplished!"Debbie K.
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"Was a slow process because of the insurance company. They did a great job for me and got a good settlement! Better than I was expecting."Jerry C.
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"I was beyond pleased with the way my case was handled. Each time I either called or emailed the office either [Attorney] Lori or [Paralegal] Kara responded quickly. I had many questions and I also ..."Matthew R.
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"Based upon my experience with the intake associate and especially with Attorney Andrea Staub, I strongly recommend this business. I was recently the victim of a devastating automobile accident that ..."Donna S.
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"When I was hit by a car while riding my bicycle in Nov, of 2021, I learned that having a lawyer would be important to making sure all of my expenses would be compensated by the driver’s insurance. I ..."Leonard Z.
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"This firm goes above above and beyond for their clients. The process was unbelievably simple on my end and my atty kept me updated the entire time. Will use them again in future if ever necessary and ..."Alli G.
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"[Attorney] Craig Love did a Great job for me"Jordan F.
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"They kept me up to date on everything that was goin on with my case. Answered all my questions."Lori D.
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"Very courtesy and understanding and helps you to the fullest therefore you anytime of the day to talk to you and answer your questions and I will use them again."Cindy R.
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"They were great with communication and very helpful. I would highly recommend this firm to anyone and everyone!"Cheena W.
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"[Paralegal] Emily kept up to date emailing and getting information and [Attorney] Cat did a wonderful job representing me and explained everything perfectly."Debra G.
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"Troy was a pleasure to work with from the first day of meeting him to our last meeting. Troy always kept in touch even if it was just to say hello and see how I was. best lawyer!"Roxanne F.
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"Metzger Wickersham’s [Attorney] Zach was so easy to work with. His professionalism is unmatched to any other attorney I have ever had to deal with. He always kept me informed on any new information ..."Cindy
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"It is hard to express in words how grateful I am that I chose Metzger Wickersham to help me with my case. [Attorney] Andrea, [Paralegal] Shawn (Wilkes Barre Pa), [Attorney] Zach, [Paralegal] Melanie, ..."Patricia L.
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"[Attorney] Zach and [Paralegal] Amber were beyond helpful. The attention to detail, constant communication and customer service is beyond appreciated. Would recommend to anyone that needs their help ..."Denise S.
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"“My attorney and her team were wonderful. Very knowledgeable, understanding, and caring towards my needs during such a lengthy process. Would use again."Tracy O.
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"Metzger firm was very professional, kind, courteous and knowledgeable. Also, they were very pleasant to work with. I will definitely recommend this firm for your case. I would use them again if I ..."Les M.
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"[Attorney] Craig and his team were absolutely wonderful to work with. Communication was stellar, everything was explained thoroughly, and the case was handled in a very timely manner. I was able to ..."Leah V.
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"The team at MWKE is absolutely wonderful! They represented me in a car accident when I was injured. I was very leery to trust and hire any attorney. It is an understatement to say the entire team ..."Dr. S
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"Excellent to do business with.Very caring and thoughtful. Extremely helpful and very happy with the outcome. Highly recommend. [Attorney] Andrea M. Staub is very caring and respectful. AAA+++"Betty M.
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"Incredible people who did everything to help me"Si S.
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"[Attorney] Andrea, I would like to express my sincere gratitude for all your help during my mishap of injury to my left ankle. I know you went above and beyond to get the best settlement that was ..."Patricia L.
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"Attorney Painter, I want to thank you for everything that you did for me. I’ve never dealt with anything like this before. You and [Paralegal] Cherri made it a good experience for me. Thank you again."Alan L.
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Client-Focused & Results DrivenYou are more than just a case number. At our firm, we treat our clients like family and ensure you get the recovery you deserve.
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Dedicated TeamWhen you trust us with your case, you get a FULL team of dedicated and experienced attorneys working to solve your case.
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Decades of ExperienceOur team has had our doors open for over 135 years and we have roots dating back to 1888.