In many car accident cases third-party coverage is limited or non-existent and if you are lucky, you were smart enough to purchase uninsured and underinsured motorist coverage.
In Pennsylvania the mandatory automobile insurance requirements are antiquated.In fact, the same minimal requirements of $15,000 insurance coverage necessary to operate a motor vehicle in Pennsylvania have remained unchanged since I started practicing law in 1979.
Pennsylvania law requires all Pennsylvania motor vehicles to maintain vehicle liability insurance coverage to keep their car legally operated. In Philadelphia and its surrounding suburbs, the majority of individuals only have $15,000 in coverage and do not have uninsured or underinsured motorist coverage. It is astounding to note how many vehicles are simply operating on the Pennsylvania roadways without any insurance at all.Today the uninsured motorist situation in Philadelphia has reached a crisis level.
For over three and a half decades, our skilled Philadelphia auto defect and automobile accident lawyers have recognized that it is important to also explore and identify possible vehicle product defects when evaluating and investigating an automobile accident case to determine whether there was anything wrong with the vehicle’s safety system that may have contributed to our client’s injury or death.
Investigating the Causes of Car Accidents
In order to assure ourselves and our clients that a full financial recovery is achieved, it is necessary to carefully investigate all accident claims for crashworthiness, potential roof crush, airbag non-deployment or over deployment, seat belt failure, fuel system failure, structural failure which would open an avenue of liability against a manufacturer. This presents an additional source of compensatory damage recovery for an injured or deceased victim.
We understand that automaker and component manufacturers must be held accountable for defects that cause or contribute to injuries or death.
Many times technology exists for manufacturers to offer safety options in vehicles. However, in the interests of putting profitability over consumer safety, car manufacturers require customers to pay for this safety. We understand that safety should never be an option and have been successful proving cases where a side impact caused brain damage and no side curtain airbag was installed in the vehicle or it was installed only as an expensive option when in fact it has been proven and known that side curtain airbags protect an occupant’s head and reduces fatalities by 45% and the cost to provide it is minimal.
Unbelievably the cost to auto manufacturers to offer such lifesaving technology is minimal and recently in a side impact collision where a car did not have side airbags, we were successfully able to hold the manufacturer accountable and liable for financial damages by thinking out of the box.
Do You Need Help After a Car Accident? Call Our Experienced Car Accident Lawyers
In most vehicle accident cases that our office handles where an injury is significant, we carefully evaluate and preserve the evidence and obtain downloads of the vehicle’s computers which reveals much information about airbag deployment, seat belt usage, and vehicle speed. It is necessary to consult with an accident reconstructionist, biomechanical engineers, and stability or crashworthiness experts who after evaluating the evidence can provide key information about the liability of a potential product liability action in excess of the defendant’s third-party minimal insurance coverage/limits.
A skilled accident reconstructionist can carefully reveal on how the crash occurred and the forces that associated with the impact. Records of 911 calls are also useful to shed light on the situation.
Unfortunately, many drivers in Pennsylvania and throughout the United States do not bear responsibility for their actions and all other avenues of recovery must be explored in order to properly protect an injured plaintiff after a car accident.