Gavel Insight

Understanding Underinsured Motorist (UIM) Coverage in Pennsylvania 🚗 In Pennsylvania, even with mandatory car insurance, you can still find yourself in a difficult situation if you're hit by an underinsured driver. This is where Underinsured Motorist (UIM) coverage comes into play. UIM coverage is designed to protect you and your passengers when you're injured in an accident caused by a driver who doesn't have enough insurance to fully compensate you for your damages. What Does Underinsured Motorist Coverage Cover? 💰 UIM coverage steps in to cover the gap between the at-fault driver's insurance policy limits and the total amount of your damages. These damages can include: 🤕 Medical expenses (past and future) 💸 Lost wages (past and future) Pain and suffering Permanent injuries or disfigurement Loss of enjoyment of life The Importance of Having UIM Coverage 🛡️ While Pennsylvania law requires drivers to carry minimum...

Understanding Liability in Pennsylvania Truck Accidents 🚛 Determining Fault In Pennsylvania, liability in a truck accident depends on factors such as driver negligence, company policies, and road conditions. Potentially responsible parties include: - Truck drivers – If they violated traffic laws, drove while fatigued, or engaged in distracted driving. - Trucking companies – If they failed to enforce safety regulations or pressured drivers to meet tight deadlines. - Truck manufacturers – If mechanical failures caused the accident due to defective parts. - Third-party contractors – If cargo was improperly loaded or maintained by an outside service. 📜 Pennsylvania’s Comparative Negligence Law Under Pennsylvania’s modified comparative negligence rule, if you are found partially at fault for the accident, your compensation is reduced by your percentage of fault. However, if you are more than 50% responsible, you cannot recover damages. Essential Steps to Take After a Delivery Truc...

When poorly maintained roads cause accidents, victims often face severe injuries, vehicle damage, and financial burdens. If you’ve been in a crash due to road maintenance negligence in Pennsylvania, a car accident attorney can help you secure the compensation you deserve. 🚧 Understanding Road Maintenance Negligence Local and state authorities are responsible for maintaining safe road conditions. When they fail to repair hazards such as potholes, defective guardrails, or missing road signs, they can be held liable for accidents. Potholes and uneven pavement: Can cause drivers to lose control. Faulty traffic signals: Lead to intersection collisions. Lack of proper signage: Causes confusion and dangerous maneuvers. Poor drainage: Results in standing water and hydroplaning. Construction zone negligence: Creates unexpected obstacles. 📝 Steps to Take After a Road Maintenance Negligence Crash Taking the right steps after an accident can strengthen you...