Crash Course: Choosing the Right Philadelphia Automobile Accident Lawyer
Finding Justice After a Philadelphia Auto Accident
If you need an automobile accident lawyer Philadelphia PA, here’s what you need to know:
- Free Consultation: Most Philadelphia car accident attorneys offer no-cost case evaluations
- No Fee Unless You Win: Typically work on contingency (25-40% of recovery)
- Act Quickly: Pennsylvania has a 2-year statute of limitations for filing claims
- Document Everything: Gather police reports, medical records, and witness information
- Avoid Insurance Adjusters: Don’t give statements without legal representation
The trauma following a car accident can dramatically change your life in an instant. Each year, Philadelphia sees over 8,700 car accidents—approximately 24 crashes every day—resulting in thousands of injuries and hundreds of fatalities. These collisions leave victims facing mounting medical bills, lost wages, and the overwhelming stress of navigating insurance claims.
When you’re injured in an automobile accident in Philadelphia, the decisions you make in the hours, days, and weeks afterward can significantly impact your ability to recover fair compensation. Insurance companies often attempt to minimize payouts, making quick settlement offers before you understand the full extent of your injuries.
“Insurance companies will look for excuses to deny claims,” notes one Philadelphia attorney with over 30 years of experience representing accident victims. “They’re in the business of collecting premiums, not paying claims.”
Pennsylvania’s complex insurance rules—including the choice between limited and full tort coverage—create additional problems for accident victims seeking compensation. Without proper legal guidance, you might unknowingly accept far less than what your case is worth.
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First Things First: Steps to Take Immediately After a Crash
The chaos following a collision can leave you shaken and confused. But what you do in those first moments isn’t just about safety—it shapes your entire path to recovery and compensation. Here’s your roadmap for those critical first steps after a Philadelphia crash:
Call 911 right away, even if the accident seems minor. A proper police report creates an official record that becomes the backbone of your claim. While waiting for help to arrive, check yourself and others for injuries.
Seek medical attention immediately—even if you feel “fine.” Many serious injuries like whiplash or internal bleeding don’t show symptoms right away. That same-day medical record connects your injuries directly to the crash, which insurance companies can’t easily dismiss later.
Grab your phone and document everything. Snap photos of vehicle damage, skid marks, road conditions, traffic signs, and your visible injuries. These visual records often speak louder than words when reconstructing what happened.
Look around for witnesses and politely ask for their contact information. Their unbiased account could make all the difference in disputed liability cases. Also, exchange information with the other driver—get their name, phone number, license details, and insurance information.
Be mindful of what you say at the scene. A simple “I’m sorry” can be twisted into an admission of fault. Stick to exchanging necessary information without discussing who caused the crash.
According to PennDOT data, cases with thorough documentation are significantly more likely to result in fair compensation. Many successful claims hinge on evidence gathered during those first critical moments after impact.
“The minutes following a crash are like gold for your case,” says a Metzger Wickersham attorney. “The evidence tends to disappear quickly—witnesses leave, vehicles get moved, and memories fade.”
Smart Philadelphia drivers keep an emergency kit in their trunk containing:
- Flashlight and reflective triangles
- First aid supplies
- Disposable camera (in case your phone is damaged)
- Pen and paper for notes
- Blank witness information forms
- Medical information card
- Insurance contact information
Notify your insurance company promptly, but stick to the basic facts. Adjusters are trained to find ways to minimize payouts, so avoid speculating about fault or the extent of your injuries.
Building Your Evidence Folder
Creating a comprehensive evidence folder makes your automobile accident lawyer Philadelphia PA much more effective at securing maximum compensation. Think of this folder as telling the complete story of your accident and its impact on your life.
Start with your police report, which you can typically request about 15 days after the accident. This document establishes the official account of what happened and often includes the officer’s preliminary determination of fault.
Organize all medical documentation chronologically—from ambulance and emergency room records to follow-up appointments, therapy sessions, and prescription receipts. These records create a clear picture of your injury journey and associated costs.
Keep a daily journal documenting your pain levels, limitations, and emotional struggles. These personal accounts add powerful context to clinical medical records and help illustrate how the injuries affect your daily life.
“Medical records show what happened to your body, but your journal shows what happened to your life,” explains a Philadelphia injury attorney.
Save every communication with insurance companies—emails, letters, notes from phone calls—as these exchanges often reveal inconsistencies in their position over time.
If you’ve missed work, gather documentation from your employer showing lost wages and opportunities. Include any correspondence about your inability to perform job duties or accommodations needed upon return.
Witness statements can be invaluable, especially when liability is contested. Their unbiased perspective often carries significant weight with insurance adjusters and juries alike.
For more detailed guidance on building your evidence folder, visit our comprehensive guide on Car Accident Legal Advice.
Why You Need an Automobile Accident Lawyer Philadelphia PA
The moments after a Philadelphia car crash can feel overwhelming. Between throbbing injuries, damaged vehicles, and mounting paperwork, you might wonder if handling everything yourself is possible. The truth is, navigating a car accident claim without an automobile accident lawyer Philadelphia PA is like trying to find your way through Center City without GPS or street signs.
Insurance companies aren’t exactly rushing to write you a fair check. Their adjusters have one primary goal: protecting their company’s bottom line. They’ll often call while you’re still recovering, offering quick settlements before you understand your injuries’ full extent. They might request recorded statements that later undermine your claim or delay processing until frustration makes any offer seem acceptable.
“Insurance adjusters handle hundreds of claims monthly,” shares one of our attorneys at Metzger Wickersham. “You’re dealing with your first accident while they’ve handled thousands. That’s not a fair fight without legal help.”
Pennsylvania’s accident laws create another layer of complexity. Our state follows modified comparative negligence rules, meaning your compensation decreases by your percentage of fault. The difference between limited and full tort insurance policies can dramatically impact your recovery options. Plus, strict two-year filing deadlines mean the clock starts ticking immediately after your crash.
The financial stakes couldn’t be higher. According to National Highway Traffic Safety Administration data, Philadelphia crashes cost approximately $1.25 billion annually in medical expenses, property damage, and lost wages. Without proper representation, you might recover just a fraction of what you deserve.
Research consistently shows that accident victims with legal representation typically receive settlements 3-4 times larger than those handling claims alone—even after legal fees. Your automobile accident lawyer Philadelphia PA will identify all possible compensation sources, calculate your claim’s true value including future impacts, and negotiate skillfully with insurance companies who do this every day.
When to Contact an Automobile Accident Lawyer Philadelphia PA
The golden rule after seeking medical treatment? Call an attorney immediately. Every day matters when building your case.
Critical evidence from the accident scene can disappear within days or even hours. Skid marks fade, vehicles get repaired, and road conditions change. Witness memories begin blurring remarkably fast, making early statements far more reliable than those collected weeks later.
Pennsylvania’s two-year statute of limitations might seem generous, but building a strong case takes time. Waiting too long leaves your attorney scrambling to gather evidence that may no longer exist.
Perhaps most importantly, having legal representation from day one means you’ll never face insurance adjusters alone. Every question they ask and document they request goes through your attorney first, preventing the innocent mistakes that can devastate your claim.
Most Philadelphia car accident attorneys, including our team at Metzger Wickersham, offer completely free initial consultations. You have nothing to lose by getting professional advice about your specific situation right away.
Costs and Fee Arrangements With an Automobile Accident Lawyer Philadelphia PA
Money worries shouldn’t prevent you from getting quality legal help. That’s why most automobile accident lawyer Philadelphia PA firms work on a contingency fee basis—including Metzger Wickersham.
This client-friendly arrangement means:
- You pay nothing upfront to start your case
- Your attorney receives a percentage of your recovery instead of charging hourly
- If you don’t win compensation, you owe nothing for attorney fees
- Your law firm advances costs for medical records, expert witnesses, and filing fees until your case resolves
Contingency fees typically range from 25% to 40% of your recovery amount. The percentage often depends on case complexity and whether it settles quickly or proceeds to trial. This structure perfectly aligns your attorney’s interests with yours—they only succeed when you do, and their compensation grows with your recovery.
This approach makes quality legal representation available to everyone, regardless of financial situation. You can focus on healing while your attorney handles the legal battles.
For more insights about dealing with insurance companies and how an attorney strengthens your position, visit our detailed guide on Auto Accident Insurance Attorney.
Understanding Pennsylvania Insurance & Fault Rules
Pennsylvania’s auto insurance system can feel like navigating a maze after an accident. Let’s break down the unique features that directly impact your ability to recover compensation:
No-Fault Insurance Components
Pennsylvania uses a hybrid insurance system that might confuse many drivers. Here’s what you need to know:
Personal Injury Protection (PIP) covers your medical expenses regardless of who caused the accident. Every driver must carry at least $5,000 in PIP coverage. Think of it as your first line of defense after a crash.
First-party benefits can extend beyond just medical bills to include income loss if you can’t work, funeral expenses in tragic cases, and accidental death benefits for your family.
Third-party claims come into play when you seek compensation from the other driver’s liability insurance for damages beyond what your PIP covers.
“Many of our clients don’t realize they can access their own PIP benefits immediately while we work on their larger claim,” shares a Metzger Wickersham attorney. “Those early medical bills don’t have to come out of your pocket.”
Uninsured/Underinsured Motorist Coverage (UM/UIM)
While not required by law, this coverage can be a lifesaver in certain situations:
If you’re hit by a driver with no insurance (nearly 1 in 8 Pennsylvania drivers), struck in a hit-and-run accident, or involved with a driver whose insurance limits can’t cover your serious injuries, UM/UIM becomes your safety net.
“UM/UIM coverage is like buying insurance for other people’s mistakes,” explains a Philadelphia car accident attorney. “It’s relatively inexpensive to add to your policy but can make all the difference if you’re seriously injured.”
Modified Comparative Negligence Rule
Pennsylvania follows what’s known as the “51% rule” when determining fault:
You can recover damages as long as you’re less than 51% responsible for the accident. However, your compensation gets reduced by your percentage of fault. For example, if you’re found 30% responsible, your $100,000 award would be reduced to $70,000.
The critical threshold is 51% – if you’re found 51% or more at fault, you cannot recover any compensation. This is why having an automobile accident lawyer Philadelphia PA can make such a difference in presenting your case favorably.
Full Tort vs. Limited Tort
This choice, made when purchasing insurance, significantly impacts your rights after an accident:
| Feature | Full Tort | Limited Tort |
|---|---|---|
| Premium Cost | Higher | Lower |
| Medical Bills | Covered | Covered |
| Lost Wages | Recoverable | Recoverable |
| Pain & Suffering | Always available | Only in serious injury cases |
| Legal Rights | Unrestricted | Restricted |
| Compensation Potential | Higher | Lower |
“The limited tort discount feels great when you’re paying your premium,” cautions a Metzger Wickersham attorney. “But those small savings can cost you thousands in lost compensation if you’re hurt. It’s like buying a car without brakes to save money.”
Some situations allow you to break free from limited tort restrictions, including:
- Fatal accidents
- Serious impairment of body function
- Permanent serious disfigurement
- Being struck as a pedestrian or cyclist
- Being hit by a drunk driver
- Being hit by an out-of-state vehicle
What Happens If You’re Partly at Fault?
Pennsylvania’s comparative negligence rule works like a sliding scale. Your compensation decreases proportionally to your share of fault:
If a jury awards you $100,000 but finds you 20% responsible, you’d receive $80,000. At 30% fault, you’d get $70,000. At 50% fault, you’d receive $50,000. But cross that 51% threshold, and you receive nothing.
This is precisely why having an automobile accident lawyer Philadelphia PA matters—they can help minimize your percentage of fault through thorough investigation and compelling presentation of evidence.
“Insurance adjusters often try to inflate your percentage of fault,” notes a Metzger Wickersham attorney. “They know every percentage point saves them money. We make sure our clients aren’t unfairly blamed for accidents they didn’t cause.”
Building a Strong Claim: Evidence, Experts, and Negotiation
When you’re hurt in a car crash, having the right evidence can make all the difference in your case. At Metzger Wickersham, we don’t just collect the basics—we dig deeper to build the strongest possible claim for you.
Your case needs more than just photos and police reports to truly shine. We carefully gather electronic data from vehicle “black boxes” that reveal crucial details about speed, braking patterns, and other important crash dynamics. We also track down surveillance footage from nearby traffic cameras, businesses, or dashcams that might have captured the accident.
“The strongest cases are built on solid evidence,” shares one of our Philadelphia attorneys. “Sometimes it’s the cell phone records showing the other driver was texting, or weather reports confirming dangerous road conditions that make all the difference.”
In many cases, we also examine social media posts by the other driver that might reveal they were distracted or impaired before getting behind the wheel. These digital breadcrumbs often provide compelling evidence that insurance companies can’t easily dismiss.
For complex cases, we bring in professional experts who strengthen your position considerably. Accident reconstructionists use science and engineering principles to demonstrate exactly how your crash occurred. Medical specialists provide testimony linking your specific injuries directly to the accident. When long-term or permanent injuries are involved, economic analysts calculate the true lifetime costs, while life care planners map out your future medical and assistance needs.
Most car accident claims settle without going to trial, but that doesn’t mean the negotiation process is simple. Our team prepares detailed demand letters that document every aspect of your damages—from medical bills to emotional suffering. We time our negotiations strategically, knowing when to press forward and when to hold back for maximum impact.
We also identify all possible insurance coverage sources, often finding additional policies that apply to your situation. Perhaps most importantly, we prepare every case as if it will go to trial, which significantly strengthens our negotiating position.
“Insurance companies are constantly calculating risk,” explains a Philadelphia attorney with over 25 years of experience. “When they see a thoroughly prepared case backed by solid evidence and presented by an attorney with trial experience, they’re much more likely to make fair settlement offers.”
Common Injuries in Philadelphia Crashes
Car accidents can leave lasting impacts that go far beyond the initial trauma. Understanding the potential long-term effects of your injuries helps ensure your claim accounts for all your future needs.
Physical injuries from crashes often include whiplash and neck injuries that can cause chronic pain requiring extensive physical therapy. More severe accidents may result in traumatic brain injuries (TBI) that lead to cognitive impairments, personality changes, and sometimes lifelong care needs.
Spinal cord damage represents some of the most devastating injuries, potentially causing partial or complete paralysis with astronomical lifetime costs. Even seemingly straightforward injuries like fractures can become complicated when they require surgery or cause permanent mobility issues.
Don’t overlook internal injuries to organs that might not be immediately apparent after an accident, or burns that often require skin grafts and leave permanent scarring.
The psychological impact of crashes shouldn’t be underestimated either. Many accident victims develop post-traumatic stress disorder (PTSD) that makes driving—or even riding in vehicles—extremely difficult. Anxiety and depression commonly follow serious accidents and often require professional therapy. Many people also develop persistent sleep disorders that continue long after their physical injuries have healed.
Research from the Centers for Disease Control reveals something particularly alarming: drowsy driving can be as dangerous as drunk driving. Being awake for 17 hours produces impairment equivalent to a blood alcohol concentration of 0.05%. This research shows why courts take driver fatigue so seriously in accident cases.
At Metzger Wickersham, we make sure all aspects of your injuries—both the visible and invisible ones—are properly documented and included in your claim. Your complete recovery, both physical and emotional, is always our primary concern when building your case.
Potential Compensation After a Philadelphia Auto Collision
The impact of a car crash goes far beyond the initial shock. When you’re hurt in Philadelphia traffic, understanding what compensation you deserve can make all the difference in your recovery journey.
Economic Damages
After a collision, the financial strain can quickly become overwhelming. These concrete losses can be calculated and claimed:
Medical expenses pile up faster than most people realize. From the moment ambulance doors close behind you, the bills begin—emergency room visits, hospital stays, surgeries, and medications are just the beginning. Don’t forget ongoing physical therapy, assistive devices like crutches or wheelchairs, and even necessary home modifications if your mobility is affected.
Lost income hits families hard, especially when recovery takes weeks or months. Beyond just missed paychecks, your compensation should account for reduced earning capacity if you can’t return to your previous role. Many accident victims lose valuable benefits, promotion opportunities, and future earnings potential that should be factored into your claim.
Property damage extends beyond just fixing your car. Your automobile accident lawyer Philadelphia PA will help you claim full compensation for vehicle repair or replacement, personal items damaged in the crash (like laptops or phones), rental car expenses during repairs, and even the diminished resale value of your now-repaired vehicle.
Non-Economic Damages
The human cost of accidents can’t be measured in dollars alone, but these damages attempt to compensate for life-altering changes:
Pain and suffering compensation acknowledges the physical discomfort and emotional distress you’ve endured. The sleepless nights, the constant ache, the daily struggle—these deserve recognition.
Mental anguish often follows serious crashes. The anxiety that grips you when you approach an intersection, the depression that comes with chronic pain, the PTSD that makes the sound of screeching tires unbearable—these psychological impacts deserve compensation too.
“Many of my clients tell me they just want their old life back,” shares a Philadelphia attorney who’s represented accident victims for decades. “When that’s not possible, fair compensation for these life changes becomes even more important.”
Loss of enjoyment of life happens when injuries prevent you from activities that once brought you joy—playing with your children, gardening, sports, or even just walking without pain. Loss of consortium recognizes the strain placed on your relationship with your spouse or partner.
Disfigurement compensation addresses visible scars or permanent changes to your appearance that may affect your confidence and social interactions.
Punitive Damages
In cases involving truly outrageous behavior—like drunk driving, street racing, or texting while driving—courts may award punitive damages. These aren’t meant to compensate you directly but rather to punish especially reckless conduct and deter others from similar behavior.
“Insurance companies won’t volunteer information about everything you’re entitled to,” cautions a Philadelphia car accident attorney. “They’re hoping you’ll accept whatever they initially offer without questioning whether it truly covers all your losses.”
For more comprehensive information about the types of compensation available, visit our detailed guide on Car Accident Compensation Lawyer.
Full vs Limited Recovery Scenarios
Your insurance choices made long before the accident significantly impact your potential recovery:
Full Tort Recovery Example
Consider Maria, who wisely chose full tort coverage. After being hit by a driver texting at a red light, she suffered a broken leg requiring surgery. Her potential recovery includes:
- $75,000 in medical bills
- $25,000 in lost wages
- $100,000 in pain and suffering
- Total potential recovery: $200,000
Limited Tort Recovery Example
Now consider John with the identical injury but limited tort coverage. His recovery might be restricted to:
- $75,000 in medical bills
- $25,000 in lost wages
- $0 in pain and suffering (unless his injury qualifies as “serious”)
- Total potential recovery: $100,000
This stark $100,000 difference shows why understanding your insurance coverage matters tremendously. Having an experienced automobile accident lawyer Philadelphia PA becomes even more crucial when navigating limited tort restrictions, as they can identify potential exceptions that might allow you to pursue full compensation despite your coverage limitations.
At Metzger Wickersham, we carefully analyze every aspect of your case to maximize your recovery potential, regardless of your insurance situation.
Navigating the Claims Process at Philadelphia City Hall
When your car accident case moves beyond insurance negotiations to a lawsuit, you’ll find yourself dealing with Philadelphia’s historic City Hall, home to the Court of Common Pleas. This imposing building, with its distinctive architecture, houses the legal machinery that will process your claim.
The Litigation Process
The journey through Philadelphia’s court system follows a structured path that your automobile accident lawyer Philadelphia PA will guide you through. First comes filing a complaint – the formal document that outlines your case and officially begins your lawsuit. Think of it as your legal story, explaining what happened and why you deserve compensation.
Next, you’ll enter what attorneys call the findy phase, where both sides exchange information. This includes written questions called interrogatories, requests for documents like medical records, and depositions where witnesses give sworn testimony. This phase feels like detective work – gathering all possible evidence to strengthen your case.
The court requires a Mandatory Settlement Conference where both sides try to resolve the case before trial. Many cases settle at this point, as the reality of the evidence becomes clear to everyone involved. If needed, you might try mediation, where a neutral third party helps facilitate agreement. As one Philadelphia attorney puts it, “Mediation often works because it takes the emotion out of the room and focuses on practical solutions.”
If settlement efforts fail, your case moves to pre-trial motions – legal arguments that narrow down what can be presented at trial. Finally comes the trial itself, where evidence is presented before a judge or jury who will decide your case. Even after a verdict, the process might continue with post-trial motions or appeals.
“Philadelphia’s court system has its own personality, with local rules and procedures that can trip up attorneys who don’t regularly practice here,” says a Metzger Wickersham attorney. “Knowing how City Hall operates makes a real difference in how smoothly your case progresses.”
Most Dangerous Roads & Intersections to Know
Being aware of Philadelphia’s accident hotspots might not only save your life but also provides context if your accident occurred in one of these notorious locations. PennDOT data consistently highlights several high-risk areas that deserve extra caution.
Roosevelt Boulevard (US 1) tops every list of dangerous Philadelphia roads. This 12-lane highway cutting through densely populated neighborhoods has earned the grim nickname “Boulevard of Death.” Interstate 95 sees fewer but often more severe high-speed crashes, while Broad Street creates danger through its mix of vehicles, pedestrians, and constant activity.
Market Street presents hazards with its combination of cars, pedestrians, and public transit, and the scenic Kelly Drive becomes treacherous with its curves and the Schuylkill River’s edge.
When it comes to intersections, Broad Street & Olney Avenue stands out for its chaos of vehicles and pedestrians. Near City Hall, Broad Street & Race Street confuses drivers with its complex traffic patterns. Three intersections along Roosevelt Boulevard – at Grant Avenue, Red Lion Road, and Cottman Avenue – round out the list of places where Philadelphians are most likely to collide.
“The statistics about Roosevelt Boulevard are truly shocking,” notes a Metzger Wickersham attorney. “It makes up less than 1% of Philadelphia’s streets but accounts for nearly 14% of traffic deaths. When we see a client injured there, we know exactly how dangerous that location is.”
At Metzger Wickersham, our familiarity with these locations helps us build stronger cases. When an automobile accident lawyer Philadelphia PA from our firm represents you, they understand not just your injuries but the specific context of where your accident occurred – which can make a significant difference in how your case is presented.
Frequently Asked Questions about Hiring a Car Accident Attorney in Philly
How long do I have to file a claim?
In Pennsylvania, you generally have two years from the date of your accident to file a car accident claim. This might sound like plenty of time, but those two years can slip by quickly when you’re dealing with injuries and recovery.
“Once that two-year deadline passes, the courthouse doors essentially close,” explains one of our Philadelphia attorneys. “We’ve seen too many people lose their right to compensation simply because they waited too long.”
There are some important exceptions to be aware of:
If your accident involves a government vehicle or entity, you may have as little as six months to file a notice of claim. For children injured in accidents, the timeline may be extended. And in rare cases where injuries weren’t immediately apparent, the “findy rule” might apply, potentially extending your filing window.
The bottom line? Consulting with an automobile accident lawyer Philadelphia PA as soon as possible after your crash protects your legal rights and gives your attorney the best chance to build a strong case.
What if the other driver’s insurer calls me?
That friendly insurance adjuster calling from the other driver’s insurance company isn’t your friend. Their job is to save their company money—which means paying you as little as possible.
When they call (and they will), remember these guidelines:
Be polite but guarded in your conversation. Don’t provide a recorded statement without having your attorney present. Avoid signing any documents they send without legal review. Never accept their first settlement offer—these are typically lowball figures designed to close your case cheaply. Keep details about your injuries minimal, and be careful about what you post on social media while your case is active.
“Insurance adjusters are trained to sound helpful and concerned,” one of our Philadelphia attorneys notes. “But make no mistake—they’re listening for anything they can use to reduce your compensation. Even innocent comments like ‘I’m feeling a bit better today’ can be used to suggest your injuries weren’t serious.”
The safest approach? Simply tell them your attorney will be in touch, then call us to handle all communications going forward.
Can I still recover if I chose limited tort?
Yes, you can still recover compensation with limited tort insurance, but your options are more restricted. With limited tort coverage, you can recover economic damages like:
Medical expenses for your treatment Lost wages during your recovery Property damage to your vehicle
What you generally can’t recover is compensation for pain and suffering—unless your case meets one of several important exceptions. You may still qualify for full compensation if your injuries resulted in death, serious impairment of body function, or permanent serious disfigurement. You’re also exempt from limited tort restrictions if you were struck as a pedestrian, hit by a drunk driver, or involved in an accident with an out-of-state vehicle.
“Many people don’t realize there are multiple exceptions to limited tort restrictions,” shares a Philadelphia attorney from our team. “We’ve helped numerous clients with limited tort policies recover full compensation by carefully documenting how their injuries meet these exceptions.”
At Metzger Wickersham, we thoroughly evaluate every avenue for maximizing your recovery, even with limited tort coverage. We understand the nuances of Pennsylvania’s automobile insurance laws and how to steer them effectively on your behalf.
Conclusion
Life after a Philadelphia car accident can feel overwhelming. Between managing your recovery, dealing with insurance companies, and worrying about mounting bills, it’s easy to feel lost in the process. That’s where having a trusted legal partner makes all the difference.
Pennsylvania’s insurance system creates unique challenges for accident victims. The choice between limited and full tort coverage, the state’s comparative negligence rules, and the strict two-year filing deadline can all impact your ability to recover fair compensation. Without proper guidance, you might accept far less than what your case is truly worth.
“Many of our clients come to us after trying to handle things themselves,” shares one of our Philadelphia attorneys. “They’re often shocked to learn how much they were about to leave on the table.”
For 135 years, Metzger Wickersham has stood beside Pennsylvania accident victims during their most difficult moments. Our approach is simple: we listen to your story, explain your options in plain language, and fight tirelessly for the compensation you deserve. We’re available whenever you need us—day or night—because we understand that questions and concerns don’t follow business hours.
When you work with an automobile accident lawyer Philadelphia PA from our firm, you’ll never face financial barriers to quality representation. Our contingency fee structure means you pay absolutely nothing unless we win your case. This allows you to focus on what matters most—your recovery—while we handle the legal complexities.
Insurance companies have teams of adjusters and attorneys working to minimize what they pay you. Shouldn’t you have someone equally dedicated fighting on your side?
Don’t leave your future to chance. Contact Metzger Wickersham today for a free, no-obligation case review. Let us show you how our team approach and decades of experience can make a meaningful difference in your recovery journey.
For more detailed information about our approach to car accident cases, visit our comprehensive car accidents information page.
Your road to recovery begins with a single call. We’re ready when you are.