What Does it Mean When You Stack Your Auto Insurance Policies?

Understanding Stacked Car Insurance

It is estimated that 12.6 percent of motorists on the road in 2019 were driving without car insurance. That equals to approximately one in eight drivers are behind the wheel without insurance. Not only is this illegal and dangerous, but getting into an accident can be costly to all involved. 

If you get into a severe car accident in Pennsylvania with an uninsured motorist, your first concern may be how will you pay for your medical expenses. Will you be stuck with the bill? 

Fortunately, there are provisions in your insurance policy that will pay for any of the injuries you may receive. And if your underinsured and uninsured motorist coverage is stacked, then you won’t have to worry about paying for the large medical bills.

But what is stacked insurance? […]

Teenage Traffic Fatalities Increase Dramatically During Prom-Graduation Season

Prom and graduation season is here again, and although it is a time for celebration, it is also the most dangerous time for teens in regards to traffic fatalities. The biggest danger teens face on prom or graduation night is auto accidents, either because the driver has been drinking, is tired, or is simply distracted by a carload of friends.

How Likely is a Teen Driver to Get into a Fatal Car Accident?

In the United States, although teenagers drive less than their parents, the number of crash deaths involving teens is disproportionately high. According to the Insurance Institute of Highway Safety, in the U.S., the fatal crash rate per mile driven for 16-19-year-olds is nearly 3 times the rate for drivers ages 20 and over. The fatal crash rate per mile drove is nearly twice as high for 16-17-year-olds as it is for 18-19-year-olds. […]

What Happens If You Hit a Cyclist with Your Car?

Hit a Cyclist, or Injured in a Bicycle Accident? We Can Help.

Car accidents involving an injured cyclist can be the worst experience anyone can have. If you’re asking yourself “What happens if you hit a cyclist with your car?” an experienced bicycle accident lawyer can help.

You may feel guilty, upset, and anxious about what happens afterward. Can the cyclist sue you for the accident? What will happen to your insurance rates? What happens next?

These are all valid concerns to have before, during, and after your time on the accident scene. Even if you were injured in the bicycle accident as well, you may be stressing over what can happen. That’s why it’s important to know what your next steps should be to protect yourself and your claim.

For over 60 years, […]

Can I Sue After a Car Accident If I Was Not Hurt?

What Options Are Available After A Car Accident With No Injuries?

Everyone knows that if you are injured in a car accident, you have the option to file a lawsuit against the other driver. But what happens if you only suffer damage to your vehicle? Can you sue the other driver?

Even if you suffered no physical injuries during an accident caused by the negligence of another driver, you could still recover property damage costs. If your insurance company refuses to repair or replace a car you suffer heavy damage you might need to seek court action to have them repaired or replaced.

Understanding your legal rights after a car accident is paramount. Please note that Munley Law handles personal injury cases only.

Filing Car Accident Claim with Insurance Company

The best way to ensure you recover compensation and financial losses from insurance companies or liable parties in your car accident property damage settlement is to hire an experienced car accident property damage lawyer. […]

Bicycle accidents and auto insurance in Pennsylvania

Munley Law Personal Injury Attorneys personal injury lawyers explain: bicycle accidents and auto insurance

What if you were involved in a bicycle accident in Pennsylvania and suffered a serious injury? If your bicycle was hit by a motorized vehicle, whose insurance company is responsible – yours or the motor vehicle drivers? What if no one was at fault? Can you file an insurance claim or a lawsuit requesting reimbursement for pain and suffering resulting from a bicycle accident? Auto insurance in Pennsylvania offers both full tort and limited tort policy choices. What does that mean? How does it apply to bicycle accident coverage?

Accidents involving bicycles happen all too frequently. It pays to be aware of the details of how insurance coverage works. But the issue can become complex in many cases. Hiring a Pennsylvania bicycle accident lawyer can help you receive the benefits you deserve if you are a victim of an injury caused by an accident that happened while riding your bicycle. […]