Things you should know about motorcycle insurance

I am presently handling a case for a catastrophically injured cyclist.  He unfortunately found himself underinsured because of language found in his auto policy.  Like many of you,  he bought motorcycle insurance from a company that was not the company that insured his automobiles.  I am sure that he thought he was being very prudent in buying “supplemental” insurance.

WARNING! He had a great auto policy but, probably, like most of you, he did not read the exclusion in the small print.  His auto policy with high underinsured limits did not apply to a vehicle he owned which was not covered by his auto policy. Since he covered his motorcycle with another company, he was excluded from recovering his million dollars underinsured coverage under his auto policy.  If his motorcycle had been insured in the policy covering his auto, the exclusion would not have applied.  To make matters worse, his auto policy contained a provision excluding medical payments for injuries sustained while operating a motorcycle not insured by his auto carrier.

Check your policies now.  Whenever possible, cover your auto and motorcycle under the same policy.  If you have questions please give me a call,  as I don’t want to see anyone else in this position.

If you have already been injured and have been faced with this exclusion,  please give me a call.  Some insurance companies have failed to write the exclusion properly and recovery may be possible.

Aliquippa Investigation Continues to Derail

Aliquippa Assistant Police Chief Joseph Perciavalle III is facing a second criminal charge in connection with content found on his cell phone as part of the investigation into the death of teacher Rachael DelTondo, according to court records.

Assistant Chief Perciavalle, 43, of Aliquippa, is accused of secretly recording a 39-minute conversation between himself and police Chief Donald Couch on March 2, according to a criminal complaint. That’s the same day that Pennsylvania State Police executed a search warrant on Aliquippa city officesin connection with a grand jury investigation into allegations of theft.

In the recorded conversation, the pair discussed Aliquippa police, the pension fund, high school football and other topics, according to the complaint.

In Pennsylvania, one person cannot record a conversation with another person without both people’s permission. Chief Couch told investigators on June 29 that he never gave Assistant Chief Perciavalle permission to record the conversation.

Rachael DelTondo

Assistant Chief Perciavalle is charged with a single count of intercepting communications, a felony.

His attorney, Steven Townsend, said Tuesday that the complaint is “as written completely false.”

“There is a conversation on his cell phone, there’s no denying that, but the way it was recorded is definitely not as the affidavit reads,” Mr. Townsend said, adding that Assistant Chief Perciavalle denies any wrongdoing.

“I can’t get into specifics because there are other investigations going on,” the attorney said. “But there are certain exceptions under the wiretap act in which someone can be recorded — one [is] being in a public place, which this was.”

The complaint said Assistant Chief Perciavalle and Chief Couch “rode together on patrol” during the recorded conversation. Mr. Townsend said the pair was never in the same car.

“My client and Couch were not in the same patrol car when this conversation took place,” he said, and declined to elaborate.

Assistant Chief Perciavalle was also arrested in June on a separate felony charge of sending a sexually explicit video to a 17-year-old girl who later became a witness in Ms. DelTondo’s killing.

Aliquippa assistant police chief charged with sending sexually explicit material to minor

Authorities reviewed Assistant Chief Perciavalle’s phone records as part of the homicide investigation and discovered that he sent a video of a female urinating on a swing to the girl on May 10.

Assistant Chief Perciavalle was charged with sending the explicit video on June 8, two days after he took over as acting chief of the police department. He took leadership after Chief Couch was placed on paid administrative leave by city council for an unspecified reason that is not connected to the DelTondo investigation.

After Assistant Chief Perciavalle was arrested on June 8, longtime Capt. Robert Sealock was promoted to acting chief. He remains in the role.

Assistant Chief Perciavalle is scheduled to appear for preliminary hearings in both cases on Aug. 20.

Shelly Bradbury: 412-263-1999, sbradbury@post-gazette.com or follow @ShellyBradbury on Twitter. 

First Published July 10, 2018, 1:05pm

What you need to know about Act 235 and the PA Uniform Firearms Act

In late 2017, the Superior Court issued an absurd opinion regarding the interaction between Act 235 and PUFA.  It held that an individual who is Act 235 certified is not entitled to carry a firearm to and from work, absent a license to carry firearms, regardless of the language in Act 235 that requires a private security guard carry his/her certificate when “on duty or going to and from duty and carrying a lethal weapon.”  Although the Court stated that Act 235 and PUFA are not inconsistent, the opinion seems to indicate otherwise.

You might think that a person is exempt under Section 6106(b)(6), which declares:

(b)  Exceptions.  The provisions of subsection (a) shall not apply to:

(6) Agents, messengers and other employees of common carriers, banks, or business firms, whose duties require them to protect moneys, valuables and other property in the discharge of such duties.

Well according to the Court you would be dead wrong.  Why, well that question is a bit harder to answer as the Court stated that the EXCEPTIONS under Section 6106 are merely affirmative defenses.  What does that mean?  It means that the Commonwealth can and will arrest you if you have an Act 235 clearance, no firearm permit, AND you working in the scope of your employment.  It doesn’t make any sense, but they are effectively saying that it would be a lawful arrest and at trial you could defend yourself by asserting Section 6106(b)(6) as an affirmative defense.

Think about the exception in Section 6101(b)(1):  Constables, sheriffs, prison or jail wardens, or their deputies, policemen of this Commonwealth or its political subdivisions, or other law-enforcement officers.

Police officers, sheriffs etc. are not required to obtain concealed weapons permits for employment.  Therefore, under the Court’s reasoning, a police officer who is carrying a firearm and does not have a concealed fireman permit should be arrested and have to prove he was acting as a police officer at trial.

Clearly absurd.

If you are in law enforcement or have an Act 235 clearance, I strongly suggest that you obtain a license to carry under PUFA.

Juvenile Decertification

Attorney Steve Townsend represented Deontae Jones in this case and was the only lawyer who successfully argued to have his client’s case decertified back to juvenile court.  It took a great amount of effort and time, but as you can see, those efforts paid off.

The incident was a great tragedy, but hopefully it sends a message to others.

 

Lawrence “Pooh Rat” Reddick Jr. was found guilty Monday morning of first- and second-degree murder, robbery in 2016 Aliquippa double homicide.

BEAVER — The gallery of a Beaver County courtroom maintained a level of stoicism as a jury foreperson rendered its verdict Monday morning, convicting 19-year-old Lawrence “Pooh Rat” Reddick Jr. of first- and second-degree murder.

Some soft cries were heard from members of the victims’ families. Reddick himself showed little emotion as the verdict was read.

Reddick was found guilty of first-degree murder in the death of 18-year-old Dane Mathesius, of Brighton and New Sewickley townships, and second-degree murder of William Cade Booher, 16, of Beaver.

He also was found guilty of robbery, conspiracy, aggravated assault, reckless endangerment and carrying a firearm without a license.

The jury returned after about 12 hours of deliberations, having worked out a proclaimed “impasse” that was reached Friday afternoon.

At that time, the jury told the court it was “at an 11 to 1 impasse” because one juror was “not following the definition of reasonable doubt.” The jury said the unidentified juror was looking for a 100 percent certainty in determining a verdict.

In response, Beaver County Judge Kim Tesla reread to the jury the definition of what beyond a reasonable doubt means. He sent them back to continue discussions.

Jurors were dismissed at about 5 p.m. Friday and returned at 9 a.m. Monday. The verdict was rendered at about 10 a.m.

The jury foreperson fought tears as the conviction was read. Upon request of the defense, the jurors were polled, each of them agreeing to the conviction.

“There were tears,” District Attorney David Lozier said after the verdict. “The foreman of the jury had difficulty reading the verdict slip. They obviously took this very seriously and have respect for the process.”

He thanked the jury for its time and commitment to the case.

“They came back with a very courageous verdict, a first-degree homicide verdict in this kind of circumstance is hard, it takes a lot of courage for a jury to come back with a first-degree homicide verdict,” Lozier said.

A sentencing date for Reddick has yet to be set. Because he was a juvenile at the time of the homicide, Reddick does not qualify for an automatic sentence of life imprisonment for the conviction of first-degree murder. His sentence will be left to the decision of Tesla, who presided over the trial.

Co-defendant Ronald “Reno” Foster, 19, was tried in August and was found guilty of third-degree murder. He was sentenced to serve between 34 and 70 years in prison.

Deontae Jones, 19, who testified in the case, also was charged in the shooting. He pleaded to a count of conspiracy to commit robbery in juvenile court and is awaiting sentencing.

All three teens were 17 years old at the time of the incident.

Lozier said the double homicide impacted families across Beaver County, including the families of the three defendants.

“We can’t forget the fact that we have two dead children and a third 13-year-old boy that watched this happen in the car,” he said. “It also impacted the families of Aliquippa. This impacted six families in a devastating way. There are no winners.”

Lozier also said Reddick’s conviction will bring some closure to the families of Mathesius, Booher and the 13-year-old witness, many of whom witnessed the entire Reddick trial, as well as the trial against Foster.

“There were always questions as to whether or not the community would take this loss seriously enough, and I think this verdict answers that question,” Lozier said.

Theft Charges Dismissed

BEAVER — Criminal charges filed against the owner of a defunct personal-care home were dismissed prior to a preliminary hearing.

Lynn M. Katekovich, 58, was accused by state police of withholding pay from employees at her Big Beaver-based facility, Katera’s Kove.

The 78-bed facility on Norwood Drive was closed in October after an employee reported not having been paid by Katekovich for two months of work. In all, three employees were named in a criminal complaint filed against her.

One former employee reported she was not paid $560 by Katekovich for hours she worked between Sept. 24 and Oct. 14, police said. Another told police she had not been paid for two months of work, though the report did not specify the amount she was owed.

Police said a third employee reported her insurance through the company Aflac was canceled in March when Katekovich stopped paying into the account, even though the employee said she had money taken out of her pay to cover the insurance, police said.

Katekovich’s defense attorney, Steven Townsend, said all three cases were dismissed. Only one of the cases, he said, was “valid.” Katekovich resolved that case by paying the employee the $560 she was owed.

In the case of the Aflac account, Townsend said documents showed that the employee was actually covered by the company and that the money had not been taken out.

The third employee did not cooperate with the investigation and failed to appear in court, Townsend said.

Three charges of theft were dismissed against Katekovich. Townsend said Katera’s Kove remains closed.

At the time she was charged, 19 residents were relocated from the home, according to the Pennsylvania Department of Human Services.

SORNA – Constitutional Victory

This is one of the first cases in Pennsylvania to be resolved.

Order, PCRA, Redacted

I am pleased to have successffully represented a client who was unconstitutionally required to register as a sex offender since 2012.  In 2017, the Pennsylvania Supreme Court held that it is unconstitutional to require a person to register under 42 Pa.C.S. Chapter 97, where that person’s registration requirement had expired.  This decision focused on the SORNA legislation passed in 2012.

The SORNA legislation required individuals who for example, had a 10 registration requirement for certain offenses, to now register for life regardless of the initial registration requirements.  The Court got this one right and held that registration is  in essence a penalty and therefore, requiring an additional penalty was ex post facto and unconstitutional.

The U.S. Supreme Court denied a challenge to the Pennsylvania Supreme Court decision in Muniz filed by the Cumberland County District Attorney’s Office.

Recent Cases

Recent Cases Resolved by Thomas Gravina

 

PennDOT Liability for serious injuries sustained

by a female physician due to poor construction of a PennDOT

controlled road.

 

PennDOT liability for injuries sustained by a female

passenger due to dangerous, obstructed view

intersection.  Recovery made against both PennDOT

and driver’s insurance company.

 

Pedestrian accident causing a  tibia plateau fracture and ankle

injuries requiring extensive hardware to repair.

Recovery made against negligent driver

and client’s underinsured carrier.

 

Pedestrian accident causing tibial plateau fracture.

Rental car insurance company denied coverage

due to driver being unauthorized user of rental

vehicle.  Recovery received under client’s

uninsured automobile insurance benefits.

 

Dog bite injuries on the arms and legs of an

owner of a small dog that was attacked and

killed by a neighbor’s pitbull while out on a walk.

Recovery made against owner’s homeowner’s

insurance company.

 

Several dog bites settlements for injuries

sustained to clients when neighborhood

dogs entered the client’s yards   Settlements made against

dog owners’  homeowner’s insurance companies.

 

Wrongful Death of 62-year old male during

open heart surgery.  Recovery to Estate from

hospital and physician.

 

Nursing Home neglect in failing to clean Foley

Catheter resulting in infection.  Recovery made for

Deceased client’s estate.

 

Fall from a hospital bed resulting in hip

fracture of an 83-year old male.  Recovery

from hospital’s insurance company.

 

Fall on nursing home transit van resulting in

fractured rib and contusions.

 

Fall on ice causing extensive hip injuries and

Requiring a hip replacement, when employee of

Hospital fell walking to employer transport shuttle.

Recovery made against both Workers’ Compensation

Carrier and owner of parking garage.

 

Fall down on sidewalk at a nationally known grocery

store causing  a broken tooth and hand and leg injuries.

 

Fall down at a grocery store from liquid being on the floor,

causing injuries to back, legs and wrist.

 

Fall down in a restaurant due to poor lighting on stairway,

causing hip, leg, and bruised bladder problems for

elderly gentleman.

 

Settlement against physician for injuries sustained to

client’s neck due to laser treatment, which resulted in a permanent

scar.

 

 

 

Settlement against trucking company for rear-end crash

on Parkway, causing soft tissue, back and neck injuries.

 

Settlement for injuries sustained by client sitting on his

couch in his residence when a car came through the wall.

causing  injuries to his knees and exacerbating previous

conditions.

 

Uninsured claim settled by client’s insurance company for

broken hand, 3 broken ribs and facial lacerations.

 

Settlement to husband and wife clients who sustained serious

injuries to hands, head, neck, back and bladder contusions.

Recovery made against  negligent driver and client’s underinsured

carrier.

 

Settlement against owners of a Hawaiian horse riding stable when

Client fell from horse and sustained a broken wrist.

 

Settlement against police department for injuries

to client while in custody due to excessive force and aggression

of police officer, causing a fractured orbital facial bone.

 

Multiple motor vehicle accident settlements for soft tissue/

whiplash injuries

 

Things to Know About Pennsylvania Workers Compensation Laws

Workers Compensation is legislated under two separate Acts. The Workers Compensation Act was adopted in 1915. Originally, it was known as the Workmens Compensation Act. It has been amended many times since its original enactment. Occupational diseases are governed by the Occupational Disease Act of 1939. The administration of both Acts is under the supervision of the Pennsylvania Department of Labor and Industry which has extensive rule and regulation making powers.

At its simplest, an employee injured in the course and scope of his employment is entitled to receive payment of wage loss benefits and payment of medical expenses. When an injury occurs, the employer is required to report the injury to the Workers Compensation Bureau. The employer can accept liability and file the appropriate document which will result in payments beginning to the injured employee and payments of medical expenses paid directly to the medical providers. In this situation, an injured employee rarely requires consultation with counsel.

However, when an alleged employer fails to accept responsibility for the injury, the employee is required to file a Claim Petition. At this point, even the most sophisticated layman will find himself or herself trapped in a maze that cannot be navigated without the help of counsel knowledgeable in the interpretation of the Statues as amended and the case law that has developed over many years.

Examples of hurdles that may be encountered are: distinction of employee versus independent contractor, was the injured individual within the course and scope of employment when the injury occurred, and did the injury occur while on or off the premises.

Most injuries which occur on premises are compensable, while many off premises are not. In a case recently handled by our firm, we were able to extend the definition of on premises to an unusual situation.

In summary of that case, a worker parked her car in a garage off the employer’s campus at a reduced rate as an employee benefit. The employer provided shuttles from the garage to the employer’s campus. The employee parked her vehicle at the garage and slipped on sidewalk ice as she prepared to board the employer-provided vehicle. After being denied benefits by the Workers’ Compensation Judge, the Board on appeal reversed the decision and benefits were granted.

The Board reversed the WCJ and concluded that the claimant sustained her injuries on the extended premises of the employer and her injuries were compensable. The Board found that the employer posted “drop off and pick up” areas where

employees were required to board and disembark from the company-provided shuttle. The Board found the claimant’s injury was caused by the operation of the Defendant employer’s shuttle bus at that location. In short, the Board found that the shuttle pickup

and disembark area was an extension of the employer’s property and the employee was injured as a result of the condition of the extended premises. The lesson to be learned is that consultation with counsel should always be had in cases where an injury occurs when going to or leaving employment.

The Workers Compensation Law is extremely complex and issues arise constantly over the benefits owed to claimants who are injured in their employment. Some of those issues are:

  1. Compensation for Specific Loss such as:
  2. Disfigurement and determining the amount of compensation
  3. Benefits in respect to fatal injuries, accruing to the employee’s
  • (a)thumb, fingers and hand;
  • (b)forearm and arm;
  • (c)lower leg or leg
  • (d)toes and foot

surviving spouse and children, parents and brothers and sisters.

Settlement of Claims

By Section 449 of the Act, settlements for the first time were sanctioned, and as amended in 2006, the settlement approval process was streamlined. This procedure is known as a Compromise and Release Agreement (C & R) and in the proper case, will provide a lump sum payment to the claimant. It is also used in disputed cases to obtain a final resolution.

In summary, counsel should be consulted immediately in the event the employer disputes an injury claim. Counsel is also desirable in all cases when a Compromise & Release Agreement has been offered or suggested by the employer or its carrier.

If you have a Workers Compensation issue, you can’t afford to make the wrong decision in choosing a lawyer. Contact us today for your free no obligation evaluation.

Update Regarding Workers’ Compensation Act

Protz V. Workers Compensation Appeal Board (Derry Area School Board)

On June 20, 2017, the Pennsylvania Supreme Court found Section 306(a.2) of the Pennsylvania Workers Compensation Act to be unconstitutional. This Section allowed employers to demand that claimants undergo an impairment-rating evaluation (IRE) to determine the claimant’s “degree of impairment” due to the claimant’s compensable injury.

In almost every case, the degree of impairment found was less than 50%, which permitted the employer or its insurance carrier to change total disability benefits to partial disability benefits, limiting disability payments to 500 weeks.

With the decision in Protz, an injured claimant can continue receiving total disability benefits for as long as the work-related disability prevents a claimant from returning to work regardless of the degree of impairment.

Employees who, in the past, have had their benefits limited by IRE findings or have otherwise entered into settlements influenced by IRE evaluations or the expected results of an IRE Evaluation should have our firm review your case for possible re-opening.

The Heart and Lung Act

It should be recognized at the outset, that The Heart and Lung Act is somewhat of a misnomer as it applies to injuries sustained by certain public servants engaged in hazardous occupations. It would include, but is not limited to, the State Police Force, Enforcement Officers and Investigators of the Pennsylvania Board of Probation and Parole, Department of Corrections Employees, Special Agents at the Office of Attorney General, and many other officers engaged in hazardous occupations at State, County and Local Municipalities.

The Heart and Lung Act provides for what is essentially a salary continuation during temporary disability without the deduction of taxes.

While Heart and Lung benefits and Workers’ Compensation are separate programs, benefits can be received concurrently and upon happening of an injury in the course of employment, a claim should be made for both The Heart and Lung Act Benefits as well as Workers’ Compensation Benefits.

Heart and Lung Act Benefits are paid only during the period of temporary disability, and should that temporary disability become permanent, The Heart and Lung Benefits will cease; however, Workers’ Compensation Benefits will continue.

Things You Should Know About Automobile Insurance in Pennsylvania

First and Foremost:

“Limited Tort “Option:

Pennsylvania has adopted the “Limited Tort” Option. This Option limits your right and the right of members of your household to seek financial compensation for injuries caused by other drivers. Under the Limited Tort form of insurance your recovery for injuries sustained by yourself or other household members is severely limited. Although you may seek recovery for all medical and other out-of-pocket expenses, you may not sue for pain and suffering or other non-monetary damages with some exceptions. You or other members of your household may only sue for pain and suffering if your injuries fall within the definition of “Serious Injury” as set forth in the policy. The definition of “Serious Injury” has been narrowly interpreted and would exclude, in most instances, injuries such a broken arm, broken leg, “whiplash injury”, rib fractures and other injuries that would not leave a person permanently impaired.

While the “Limited Tort” Option is slightly less expensive then the “Full Tort” Option, you must clearly be aware that you are giving up some of your rights to sue in exchange for a relatively low premium reduction.

“Full Tort” Option:

An insured in Pennsylvania also has the option of choosing “Full Tort”, which if chosen, you and other members of your household maintain an unrestricted right to seek “full” financial compensation for injuries caused by other drivers. Under this form of insurance, you and your household members may seek recovery for all medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering and other non-monetary damages as a result of injuries caused by other drivers.

While the annual premium for “Full Tort” is higher than for “Limited Tort”, this option should be seriously considered when purchasing or renewing an insurance policy.

In many instances, while the pain, suffering an inconvenience caused by injuries such as a broken arm or leg, whiplash or other bodily fractures are not considered “serious injury” under Limited Tort, the pain and suffering and inconvenience associated with such injuries can be quite substantial. In many or most cases involving injuries in an automobile accident, the recovery available under this Option far exceeds any savings realized in selecting Limited Tort. Carefully consider this Option when purchasing or renewing your insurance policy.

Understanding Other Areas of Your Automobile Insurance Coverage

Pennsylvania, as well as many other states, mandates that an automobile owner purchase auto insurance for at least a State-mandated minimum. In Pennsylvania this minimum is $15,000 for injury to one person and $30,000 for all injuries caused by an incident. A basic auto insurance policy is comprised of six basic types of coverage, some of which are required by State law, while others are optional. The various types are:

  1. Bodily Injury Liability;
  2. Property Damage Liability;
  3. Personal Injury Protection (PIP);
  4. Uninsured/Underinsured Motorist;
  5. Collision; and
  6. Comprehensive

Liability

Liability coverage is required in Pennsylvania and in most states. If you are at fault in an accident, your liability insurance will cover the cost of bodily injury and property damage caused to others involved in the accident, as well as the cost of your legal bills associated with the accident. It is extremely important to consider the amount of coverage you are able to afford, keeping in mind that if the injuries and property damages caused by you exceed the amount of the coverage you purchased, the injured parties may sue you for the difference between the total damages incurred and the amount your insurance company pays.

Property Damage Liability Coverage falls within the Liability Coverage which you are required to purchase. While Property Damage Liability Coverage usually repairs damage to the other driver’s vehicle, it can also cover damages to things such as lamp poles, fences, buildings, or anything else that you may have struck.

As Liability insurance is the foundation of most auto insurance policies, careful attention must be paid to be sure that you have enough coverage to avoid a short-fall in coverage which would put your savings, investments and other property in jeopardy of being lost. In short, consider being safe rather than sorry.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is required coverage in Pennsylvania. Personal Injury Protection will pay your medical bills to the extent of your coverage when injury occurs as a result of an accident while you are driving your car, someone else’s car (with their permission), and the injuries you or your family members incur as pedestrians. Additionally, PIP may cover other expenses that are related to injury in addition to medical, which include lost wages, child care and funeral costs. Ordinarily, if you have a good health insurance plan, there may be little need to buy more than the minimum required. However, there are exceptions to this general rule. PIP Coverage is relatively inexpensive and a rather small premium purchases substantial coverage in the event of injury and lost wages. When your automobile insurance carrier pays your expenses and lost wages, they are not entitled to recover the payments made to you should you make recovery against another driver who was responsible for your accident. On the other hand, if your medical bills have been paid by your Health Insurance Company, the amounts paid on your behalf may have to be paid to that health insurance company or disability insurance company that made payments on your behalf. Primary examples of payments made which must be reimbursed include payments made by Medicare, Medicaid, Public Assistance Benefits, and payments made by Health Insurance Companies through employer provided health insurance (ERISA). The right of these health care providers to recover is often times referred to as a subrogation interest.

This concept is best understood with an example: You are injured in an automobile accident and the sum of $50,000, the amount of your coverage, was paid to your healthcare providers under your PIP Coverage. You then seek recovery against the driver who was at fault and are awarded a settlement or a verdict in the amount of $100,000. In this example, the entire settlement or verdict is awarded to you with no responsibility to make any payment whatsoever to your auto insurance company for what it may have paid.

However, let’s assume the same injuries and a recovery of $100,000 with medical bills of $50,000. You have purchased PIP coverage of $10,000. Your medical bills of $50,000 were paid by your automobile insurance carrier to the extent of your $10,000 coverage. The balance was then paid by Medicare or your company-provided health insurance (ERISA).

In this example, you have no responsibility to repay your automobile carrier the sum of $10,000 it expended. The sum of $40,000 must, however, be reimbursed to Medicare or your ERISA health benefit provider before you are entitled to receive any monies as a result of your injuries. Therefore, you will only receive $60,000 of the $100,000 recovery made with the sum of $40,000 being paid to Medicare or ERISA health care in reimbursement.

The amount of PIP coverage you purchase should be carefully considered in light of the foregoing examples.

Uninsured/Underinsured Motorist Coverage

Like Personal Injury Protection (PIP), Uninsured/Underinsured Motorist Coverage protects you and your family when injured in an automobile accident which was not your fault. When seen in this light it is easily recognizable that this form of coverage is extremely important. While Liability Insurance Coverage is mandated by State law at a minimum amount, please recognize that many individuals drive vehicles without the required insurance or with only the minimum $15,000 coverage. In the event that an accident causing injury to you is caused by an uninsured motorist, unless you have uninsured motorist Coverage, you cannot make any recovery for your injuries except through your own uninsured motorist Coverage. Of course, you retain your right to sue the party at fault, however, if they were driving without insurance, it is very unlikely that they would have any assets with which to provide compensation to you. Uninsured Motorist Coverage also comes in to play if you are struck and injured by a hit and run driver.

Underinsured Motorist Coverage (UIM) often comes in to play in Pennsylvania accidents as the Commonwealth of Pennsylvania only requires a driver to carry $15,000 in liability insurance. In today’s economy and with the cost of medical care, the $15,000 required Liability Coverage is quickly exhausted. In such an event an injured insured who was not at fault can turn to his own insurance carrier to cover the difference in damages between the $15,000 provided by the underinsured driver and the amount of coverage you carry with your own insurance company. As an example, if you sustain injuries for which you are entitled to $100,000 in compensation , you would be entitled to receive $15,000 from the at-fault driver’s insurance company and the balance of $85,000 from your own insurance company if your Underinsured Coverage was $100,000.

It should be obvious that Uninsured and Underinsured Coverage is extremely important to you and your family and high coverage limits should be considered. Be reminded, however, that uninsured and Underinsured Motorist Coverage can only be purchased in an amount equal to the Liability Insurance Coverage that you purchase for your vehicle. From a cost standpoint, carrying high Liability Coverage and equal amounts in Uninsured and Underinsured Coverage is a wise financial choice. Remember that the Liability Coverage of your policy is very reasonable and limits can be raised to a higher level without a substantial increase in your premiums.

Collision Coverage

Collision Coverage will pay to repair your vehicle if you cause an automobile accident. This coverage typically covers the actual cash value of your car, which is not the same as the car’s replacement cost. Collision Coverage is normally the most expensive component of auto insurance. The cost of Collision Coverage can be reduced by choosing a higher deductible, which is the amount you will pay out-of-pocket before your insurance company is required to make additional payment to you. As Collision Coverage is very expensive, you should carefully consider if the purchase of Collision Coverage, which is not required by Pennsylvania, is the right choice for you. Remember that should substantial damage occur to your older model auto, the insurance company may well conclude that it will “total” your car. If the cost of repairs exceed a certain percentage of the car’s worth, you will only be paid the actual cash value of your car and not its replacement cost. If you have an automobile which has an actual cash value of $1,000 and a deductible of $250, the most that you can expect to recover from your insurance company is $750. Your yearly premium costs in this situation could exceed the amount that you could recover.

Comprehensive Coverage

Comprehensive Coverage will pay for damages to your car that were not caused by an auto accident, such as theft, fire, vandalism, natural disaster or hitting a deer. Comprehensive Coverage also comes with a deductible and your insurance company will only pay up to the amount the car was worth at the time the car was damaged. Comprehensive Coverage is not a required coverage under Pennsylvania law.

While Collision and Comprehensive Coverage are not required under Pennsylvania law, when you finance a car, your lender may require that your purchase Collision and Comprehensive Coverage as part of the loan agreement. Please remember that if your car is financed you will be required to pay the total amount you owe to the finance company notwithstanding that you may no longer have use of the vehicle.

Summary

The above information is not intended to be exhaustive with regard to automobile insurance coverage in Pennsylvania. However, if it provides some answers to questions regarding your insurance coverage, it has served its purpose. In conclusion, please know that insurance companies will charge different premiums for the same coverage. It is important to determine exactly what coverages you would like to purchase and in what amounts and then check the premium being charged by a number of insurance companies to be sure that you receive the coverage you desire at the best possible cost.

Charged With A Crime? Here’s What Happens Next.

Getting arrested can be a frightening experience, especially with everything that can follow — being taken by police car to a detention center, getting booked, and likely being put in jail.  Because getting arrested is a trying time, if you’re arrested you may be tempted to say or do anything to get out of the situation.  But if you’re ever arrested, it is important under these difficult circumstances to think clearly and try to protect your rights.  Here are some important things to know if you are arrested as well as key steps to protect your rights.

What Is An Arrest?

Just because you are stopped by the police for something does not mean you are under arrest. An arrest generally refers to the point at which you are taken into custody, meaning you are unable to freely leave the scene.  Police usually don’t need a warrant to arrest you — they can arrest you as long as they have probable cause to believe you have committed or are about to commit a crime (an arrest made at your home generally does require a warrant unless there’s a belief you will run away, destroy evidence or harm someone).

If you are arrested, don’t try to run away or resist, as this will only make the situation worse and lead to additional charges. Though it may be difficult, try to remain calm and not get into an argument with the officer. Be careful about your body movements, and don’t threaten to file a complaint against the arresting officer. If you feel the officer has violated your rights, you can file a formal complaint later.

Your Right To Remain Silent

As most people know from watching television crime shows, if you’re arrested you have to be read your Miranda rights by the police before they can question you. These state that:

  • you have the right to remain silent;
  • anything you say can be used against you;
  • you have the right to an attorney; and
  • if you cannot afford an attorney, one will be appointed for you.

Miranda rights are guaranteed by the U.S. Constitution. They must be given to you whether you are a U.S. citizen or a non-citizen. If you are arrested and not read your Miranda rights before police start questioning you, statements you make cannot be used against you. However, this does not mean your case will be dismissed, as there can be other evidence sufficient to find you guilty.

Ask To Speak To A Lawyer Immediately

Once you are under arrest, take advantage of your right to remain silent and don’t answer any questions (you can give your name and personal information).  Ask to speak to a lawyer immediately, and don’t say anything until you have talked to a lawyer . An arrest is an emotional time and can cause you to not think clearly, and it’s easy to accidentally say something that hurts your case. You may think you can persuade the police officer to let you go, but this is highly unlikely. What is a lot more common is that the person being arrested says something that makes things worse.  Any statement you make will go into the police report and be used against you later.  Because of this, it’s much better to consult a lawyer before you say anything. Your lawyer can advise you what to say — or not say — to law enforcement officers so that it will not hurt your case.

Invoking your right to remain silent is easy. Just simply tell the officer “I don’t want to say anything until I talk to my lawyer,” or “I am invoking my right to remain silent” or “I have nothing to say.”

If you’re arrested, law enforcement officers can question you without a lawyer present only if you waive your right to remain silent. If you answer some questions and then decide you don’t want to answer any more until talking to your lawyer, the questioning must stop.

Physical Evidence

In some arrests, like an arrest for drunk driving, the police officer will ask for physical evidence, such as a blood, breath or urine test. All states have implied consent laws, which are based on the principle that as a condition to obtaining a driver’s license, people implicitly agree to take a test to determine the alcohol content of their blood if they are suspected of drunk driving. But laws vary between states regarding the penalties for refusing to take a blood alcohol content test. Almost every state imposes administrative penalties, like fines and losing your driver’s license for a certain time, for refusing to take the test. Some states also impose criminal penalties for refusing to take a test.

Searches

When you are arrested, the police will likely search you.  Depending on where the arrest occurs, they may also try to search your car or home.

With regard to body searches, if you are arrested a police officer is legally entitled to search you — without a warrant — for weapons or evidence.

If you’re arrested while driving, you are not legally required to consent to a search of your vehicle, and to protect yourself, you should not consent to a search.  Generally, the police are entitled to search your car without a warrant and without your consent only if there is probable cause to believe it contains illegal items or evidence.

If you are arrested at home, an officer without a warrant can generally search only the area near your (depending on the circumstances, this may mean just the room you are in). However, if the officer believes evidence will be destroyed and it’s an emergency situation, your home may be searched without a warrant and without your consent.

If you are the victim of an illegal search, a court may not allow as evidence anything obtained during the search.

After The Arrest

After the arrest, you will be taken to a detention center for booking.  It is important to continue to maintain your silence, as the statements you make not only at the time of the arrest but also elsewhere can be used against you.  Booking is the process of fingerprinting, photographing you and processing you into the system. At the detention center, you will be granted the right to make at least one phone call. That call should be to a loved one, friend or a lawyer, who can start the process of protecting your rights.

Being arrested is a frightening and confusing time.  But knowing and invoking your rights if you are arrested — especially your right to remain silent and your right to a lawyer — can help prevent the situation from getting worse.

Contact an attorney at Eddy DeLuca Gravina & Townsend today. Please call us for all your legal needs.  We offer a full range of legal services to individuals, families and businesses, including personal injury, estate planning, real estate, family law and business matters. We are dedicated to providing the highest quality legal services at a reasonable cost.

Charged With a Crime? Plan Your Next Steps Carefully.