Why did I receive a letter from Equian?

I received a letter from Equian, Rawlings, Optum, First Recovery Group, etc. What do I do?

Medical Bills and Letter from Equian

After receiving medical treatment for an injury, it’s normal to receive a letter from a third-party subrogation company, such as Equian (or Rawlings, Optum, First Recovery Group, etc.), on behalf of your health insurance company. Equian (or one of these other companies) is contacting you to find out how you got hurt. If you were hurt in such a manner as to create a personal injury claim or a potential lawsuit (for example, a car accident, a work injury, a slip-and-fall accident, etc.), Equian wants to know, because your health insurance company might have a right to be reimbursed out of your settlement.

Should I respond to Equian’s letter or call them back?

Whether you have a duty to respond to Equian after receiving such a letter is going to be spelled out in your insurance policy with your health insurance company—a document you probably never read. If you weren’t hurt in any sort of accident, you’re probably safe to call and let them know, at which point they should stop sending you letters.

If you were hurt in an accident that might be someone else’s fault, you should immediately give Equian’s letter to your attorney. If you have a lawyer, you should not be contacting Equian directly. Additionally, you want your personal injury attorney to be aware of Equian’s letter, because failure to properly consider your health insurance’s lien against your settlement can have devastating consequences to both your case and your finances.

If you were hurt in an accident but don’t have an attorney, you should hire a personal injury attorney to contact Equian on your behalf. Our personal injury lawyers work on contingency and only get paid if we get you a financial recovery, We represent injured victims throughout Western Pennsylvania, from Pittsburgh, to Erie, and all the way to Bradford and Smethport.

What if I don’t want to sue the person who hurt me?

Equian can’t make you sue somebody if you don’t want to sue them. That said, it is still a good idea to talk to a personal injury attorney before talking to Equian. You need to be aware of your rights and responsibilities regarding this accident, your treatment, and your medical bills. Our law firm offers a free consultation that can be either over the phone or in person—you decide! Give us a call today at 814-452-6232.

Should I call the police after a minor car accident?

You should always call the police after a car accident

As Erie, PA car accident lawyers, we frequently get asked, “should I call the police after a minor car accident?” Without knowing anything else about the crash, we can confidently state that you should always call the police after a car accident, even if the damage to the vehicles was minimal and if even if you think nobody was hurt. As you sit there in the moment, you simply aren’t equipped to properly assess the situation. Police are. Let the experts do their work. Sometimes you don’t know you’re hurt until later that day, after your adrenaline wears off. Sometimes, people that admit fault on the scene later lie to their insurance companies. You need a witness.

Why should I call the police after a car accident?

Police after a car accident

The most important thing the police do after responding to a car accident, after making sure everybody is okay, is protecting evidence. The police will gather insurance information, get statements, and attempt to piece everything together while the accident scene is fresh and before things have been tampered with or moved. This helps keep all the parties honest: too frequently, at-fault parties will admit fault on the scene of the accident, only to later deny fault to their insurance companies after they’ve went home. You simply cannot rely on people to be honest. Moreover, it’s good to have an independent witness (the police officer) on the scene to remember what everyone told them.

Sometimes your insurance requires you to call the police after an accident

Although you’ve probably never read your entire car insurance policy, as personal injury lawyers, we have! If the person that hit you turns out to be uninsured, and you pay for uninsured motorist coverage, your Pennsylvania auto insurance policy almost certainly requires you to report the accident to the police as soon as you reasonably are able, else you risk your claim being denied. Making a police report immediately after the accident is the number one way to protect your rights under your insurance policy. The longer you wait, the easier it is to forget to make the report and the more likely your insurer is to deny your claim.

Police keep everybody safe

After an accident, it’s not uncommon for the at-fault party to become hostile and, sometimes, dangerous. Calling the police is a good way to keep everyone on their best behavior. When everybody knows the police are on their way, they’re less likely to do anything they might later regret.

What if the police refuse to respond to the scene of the accident?

If the police refuse to respond to the scene of the accident after you’ve called 9-1-1, it might simply be out of your control. Regardless, there will still be a record of your call and a brief report prepared at the station to satisfy your insurance company if the other driver turns out to be uninsured, as described above. This is normal—when they’re busy, police frequently won’t respond to the accident if nobody was injured. Just keep your cool, exchange insurance information, take pictures of the damage (and the license plates), and gather phone numbers of all the witnesses.

Do I need a lawyer after a car accident?

After a car accident, if you’ve been injured, you should call a Pennsylvania car accident attorney to protect your rights. Our personal injury lawyers have been representing injured victims in Pennsylvania since 1985 and can help recover your lost wages and medical bills. If you would like a free consultation, or just to talk to lawyer on the phone, call us at 814-452-6232.

What is a Frivolous Lawsuit?

For years, the insurance lobby has been spending millions of dollars to convince Americans that civil lawsuits are largely frivolous. This lobbying has been so successful, that most of our clients say things like, “I know most lawsuits are frivolous, but not mine—I’m really hurt.” The truth of the matter is, while there exist some silly lawsuits, most are legitimate and serve the greater purpose of protecting the public and compensating innocent victims.

Recently, the Trial Lawyers Association in DC released a simple video that helps dispel the myth of the “frivolous” lawsuit

Our Erie, PA personal injury attorneys have been helping innocent injury victims put their lives back together since 1985. If there’s one thing we’ve learned over the years, it’s that there’s nothing frivolous about asking insurance companies to pay fair value for your lost wages, lost loved ones, and disabling injuries. Don’t be fooled.

If you’ve been hurt by someone’s negligence, call our Erie law firm today for a free consultation with one of our experienced lawyers.

Car Accident Law Firm in Erie, PA

Great Firm with Very Caring Attorneys
See what our clients are saying on Google!

After being injured, it’s important to stay local and hire an attorney that understands Erie County Pennsylvania. Despite how difficult of a task it may seem, finding a car accident law firm in Erie, PA doesn’t have to be hard! If you’ve done your research, you’ll notice that Bernard Stuczynski Barnett & Lager (also known as ErieInjury.com) consistently has five-star reviews across the board! We’re small enough that we’re able to give each of our clients extremely personalized attention, yet big enough that we spare no expense when it comes to handling your case. Need a top-dollar expert witness? We’ll pay for that. Need an expensive accident Reconstructionist to prove your case? We’ll front that expense, too. Is your case complex? Not a problem.

If you do your research and read our reviews, you’ll notice that our car accident law office is known for our personalized service: if you want to speak to your attorney, you’ll speak to your attorney—unlike some of the Pittsburgh firms that dabble in the Erie area, we do not simply have paralegals “work up” your case and act as your main points of contact! When you hire us, you’re hiring a personal injury lawyer to do 100% of your legal work. Excellent results require excellent representation.

Best Law Firm in Erie, PA

If you’re looking for the best law firm in Erie, PA, don’t take my word for it. Read our reviews and draw your own conclusions. If you speak to any of your prior clients, they’ll tell you to stop looking around and to give us a call.

Review of Matthew J. Lager: In summary, I would highly recommend Attorney Lager and His Firm

What do I do next?

If you or a loved one has been hurt in a car accident, stop stressing about how to handle the bills and the insurance companies. We’ll take care of that so you can take care of yourself and your loved one. We make it simple. Worries about how you’ll have time to meet with us? We’ll come to you whenever it’s convenient, even if it’s after hours or on a weekend. We want to help. Call us at 814-452-6232 for a free consultation.

PennDOT Reports Safest Year for Car Accidents since 1928

According to PennDOT Secretary, Leslie RichardsSafest year for car accident deaths, 2017 was the safest year for traffic-accident deaths in recorded Pennsylvania history, when PennDOT began record-keeping in 1928. Although fatalities from car accidents are on the rise nationwide, Pennsylvania has managed to reverse this trend.

Safer. But not safe.

Unfortunately, even though the road is generally safer, the Secretary’s report indicates that fatalities related to distracted driving are on the rise in Pennsylvania, up to 69 from 66 in 2015 and 55 in 2014. Even more troubling, PennDOT fears that this number actually under-represents cases of distracted driving, as people often fail to report that they were texting while driving.

People that drive distracted, e.g. texting while driving, can needlessly end lives and ruin families. This tragedy is entirely preventable and simply requires that we, as a society, make a conscious effort to put the phone away when getting behind the wheel. While we have long rejected the societal acceptance that used to accompany drunk driving, we still have a long way to go before we all reject and condemn those that text behind the wheel. If you have a friend or loved one that texts while driving, let him or her know that it’s not okay.

Have you been injured by a distracted driver?

If you’ve been injured by a distracted driver in Pennsylvania, you might be entitled to punitive damages in addition to compensation. Our law firm represents car accident victims of distracted drivers and people who text while driving. We can help you recover your lost wages, medical bills, pain and suffering, and get back to worrying about what’s important—your family. Call our Pennsylvania Car Accident Law Firm for a free consultation at 814-452-6232.

Can my Car Insurance be Cancelled for a Late Payment?

Can they cancel my car insurance for a late payment?

Cancelled auto insurance for late paymentMost insurance companies typically offer options regarding the payment of premiums.  Almost all companies issue policies with a 6 month term.  The premium can be paid in one payment or multiple payments depending upon the selected payment plan.  Generally, the longer the payment period, the greater the premium actually paid.

Some of the insurance companies even offer monthly payments.  These carriers typically are an option for minimal coverage low cost options for coverage.  Unfortunately, people who select these options for coverage are the ones who typically run into problems with late premium payments because of tight budgets which forced the selection of a monthly payment option in the first place.

The Law

Pennsylvania law provides the consumer with some protection here.  Under Pennsylvania law, the insured is entitled to advance notice that his/her policy will be cancelled unless the premium payment is received by the carrier.  Typically, the insurer will send out this “notice of cancellation” a day or two after the premium’s due date.  Under regulations in PA Code, the cancellation date must be no earlier than 17 days after the date of the cancellation notice.  The actual form for this notice is included in the regulations.  The failure to provide a timely and adequate notice of cancellation can invalidate the purported cancellation of the policy.

The problem is especially complicated when the insured is on a monthly billing cycle.  In order to comply with the regulations, these carriers will actually try to combine the bill with a notice of cancellation.  There are many ways to challenge the cancellation notices under these circumstances and one of our car accident lawyers can help.

Jim Stuczynski, Pennsylvania Insurance Cancellation LawyerI recently had a case where a company sent out its bill/notice indicating the policy payment was due by June 29.  This was one day earlier than the previous month because of the fact there were 31 days in May.  On June 30, the insured’s payment was received, however, the insured was in an accident early on June 30.  The carrier denied coverage, indicating the policy was cancelled June 30 and reinstated on July 1.

There was no valid cancellation notice provided under the law and when threatened with bad faith, the carrier provided coverage and even paid reasonable attorney’s fees for forcing the insured to retain counsel to contest the denial of coverage.  If you should find yourself in such a situation, gather the last couple of months bills/notices and your policy and immediately schedule a free consultation with one of our Pennsylvania personal injury lawyers.  You may still be entitled to coverage.

As a final word of advice, do not select the convenient monthly premium payment plan.  This option is not only the most expensive, but it is also the one which can most easily lead to an unwanted cancellation of your policy.

Not only is the cancellation of coverage extremely serious in itself, it means you will have limited tort status despite any full tort selection in your policy.  Also, if you are uninsured for 30 days or longer, your carrier can charge you “high risk premium rate,” which is the highest premium rate permissible by law.

Our lawyers can help.

If your car insurance company is saying your policy was cancelled after an auto accident, our personal injury attorneys can help. Call one of our Pennsylvania lawyers today for a free consultation: 814-452-6232.

Can you Sue the EMTA for Injuries?

Can you sue the EMTA for Injuries after a Bus Accident?

Can you sue the EMTA?There is a common misconception among the people of Erie that the EMTA (Erie Metropolitan Transit Authority) cannot be sued for personal injuries after bus accidents because the EMTA is a “government entity.” This simply isn’t true. This misconception stems from a fundamental misunderstanding of “sovereign immunity” and Pennsylvania’s exceptions thereto. As will be explained in this article: Yes; you CAN sue the EMTA for injuries after a bus accident! However, there are limitations and requirements that must be met and you should hire an experienced car accident lawyer to help!

The doctrine of sovereign immunity is ancient and generally provides that you cannot sue a sovereign, such as a state or a local government, unless the state specifically waives its immunity. Under 42 Pa.C.S. § 8542, Pennsylvania waives its sovereign immunity for lawsuits arising out of motor vehicle collisions, like bus accidents, subject to a number of other conditions.

One important requirement is set forth under 42 Pa.C.S. § 5522, which generally requires a political subdivision to be put on notice of a lawsuit within six (6) months of the date of the incident. If this deadline is missed, an injured person may not be able to sue a government entity even though the statute of limitations in Pennsylvania for such injuries is normally two (2) years! As such, it’s important to hire a personal injury attorney as soon as possible after an accident!

Another important limitation that causes people to incorrectly think the EMTA cannot be sued is 42 Pa.C.S. § 8553, which places some significant limitations on damages that can be sought in a settlement or from a jury verdict against government entities. For example, one cannot recover for pain and suffering against the EMTA unless there is either a death involved or “in cases of permanent loss of a bodily function, permanent disfigurement or permanent dismemberment where the medical and dental expenses…are in excess of $ 1,500.” Unfortunately, this often precludes settlements when a person suffers “minor” injuries like whiplash. Our attorneys know how to help prove your injuries are permanent.

Call 814-452-6232 for a FREE Consultation!

Finally, when it comes to significant injuries, 42 Pa.C.S. § 8553 caps damages against government entities like the EMTA at $500,000.00. While this is more than many cases are worth, it places a significant limitation on people who have been killed or disabled as a result of the EMTA’s negligence. Unfortunately, these damage caps only hurt those have been injured the worst.

Our Erie Lawyers can help.

If you have been injured in a bus accident or are looking to make a claim against the EMTA, you should hire an experienced personal injury lawyer immediately to protect your rights and help build a case. Don’t let other lawyers tell you it cannot be done: it’s simply harder to do and requires the appropriate skill set. Our attorneys offer free consultations and only charge a fee if there’s a recovery. Call 814-452-6232 for an appointment today.

Five Things NOT to do after a Car Accident

Car Accident ChecklistCar Accidents occur suddenly and unexpectedly.  They typically result in an individual to respond with their natural acute stress response of “flight or fight.”  It is not uncommon for one to act instinctively after a motor vehicle collision without properly considering the future consequences of these initial actions.  If you have been involved in a motor vehicle collision, there are some actions you should never take following a motor vehicle accident.

After a car crash, never do these five things:

1. Do NOT forget to call the police to the accident scene

Having a police report is critical to establishing fault for the car accident. Insurance companies rely heavily on police crash reports when making liability determinations.  The police should always be called even if nobody appears to be injured.

2. Do NOT leave the scene of the car accident

No matter the circumstances of a crash, you should never leave the scene of a motor vehicle accident before the police arrive and say it’s okay to do so. Even if there appears to be no damage to the vehicles, do not simply drive away!

3. Do NOT admit fault for the car accident

Many people make the mistake of immediately exiting their car and beginning to apologize for the crash even if it was not their fault. It is always best to check if everyone is fine and call the police. Never admit fault after being involved in a collision: just report the facts of the accident to the police. It isn’t uncommon for other witnesses with better vantage points to come forward to demonstrate the accident was actually someone else’s fault.

4. Do NOT provide a recorded statement to any insurance company

You should never give a verbal or written statement to any insurance company, including your own. Insurance adjusters are trained to and experienced at questioning you in an effort to create a record favorable for them and unfavorable for you.  The other driver’s insurance carrier will question you with the intent of demonstrating that you were at least partially responsible for the happening of the accident. Your own insurance company will question you with the intent of demonstrating that they should not have to provide insurance coverage for you as it relates to the motor vehicle accident due to a loophole found in the fine print of your motor vehicle insurance policy, typically referred to in your insurance policy as a “policy exclusion.”

5. Do NOT represent yourself in your personal injury claim

There are many complicated legal issues involved in the pursuit of a claim stemming form a motor vehicle collision.   Attempting to represent yourself in a claim can result in irreparable harm to your case.  We frequently see individuals contact our office after unsuccessfully trying to handle the matter themselves.  Typically these individual have said and done things in their efforts that result in negative implications to their case.  Some bells just cannot be unrung.

What you should do after a car accident:

Promptly contact one of our experienced car accident attorneys for a free, no obligation meeting to discuss your motor vehicle accident claim.

Will Car Insurance Pay for a Chiropractor?

Will Car Insurance Pay for a Chiropractor?

Whiplash Injury and ChiropractorsIf you have Pennsylvania Car Insurance and were injured in a car accident, under the Motor Vehicle Financial Responsibility Law (MVFRL), you’re insured for at least $5,000.00 of medical treatment coverage for your accident. Whether or not you have health insurance, you are entitled to have car-accident-related medical treatment paid for by your auto insurance. Additionally, you’re given the freedom to direct your medical care as you see fit. This includes going to a chiropractor for your injuries if you so choose.

Under Pennsylvania law, you have the right to see a chiropractor if you hurt your neck or back in a car accident.

Many people don’t realize that their Pennsylvania Auto Insurance covers chiropractic treatment. While some people like chiropractics and others don’t, the important part is that you have the freedom to choose for yourself. You don’t need a referral from a family doctor, either. You’re allowed to call a chiropractor of your own choosing and make an appointment at your own discretion.

How do I open a medical claim in Pennsylvania?

In Pennsylvania, opening a medical claim under your auto insurance is as easy as calling your insurance company and completing an Application for First-Party Benefits. This is a simple form that tells in the insurance company you were injured and require medical treatment. After (or even before) this form is sent in, you should be provided with a claim number you can give to any medical provider, including a chiropractor, to render medical treatment. Best of all, with Pennsylvania auto insurance, there are no co-pays! You should speak with a lawyer before filling this form out.

Call 814-452-6232 for a Free Consultation with an Auto Accident Lawyer!

Do I need a lawyer to have my medical bills paid?

Although you don’t need a lawyer to have your medical bills paid after a Pennsylvania car accident, if you were injured, you should consult with a Pennsylvania car accident lawyer before filling out any paperwork or speaking with the insurance company! There is too much to go wrong and there is too much at stake. Our personal injury law firm offers free consultations and doesn’t charge a fee without a recovery, which makes it easy for anyone to afford a lawyer. Call one of our lawyers today at 814-452-6232.

Automobile Safety Over the Years

Automobile Safety Over the Years

Over the years, trial lawyers and personal injury lawyers have been instrumental to encouraging legislatures and automobile manufacturers into making safer cars. In fact, one of the most important functions of tort law in the United States is to encourage manufacturers into making safer products by creating a financial disincentive to releasing dangerous products. Because corporations tend to favor their shareholders more than the safety of their customers, the ongoing threat of multi-million-dollar lawsuits provides an economic incentive for releasing a safer product, even if a dangerous product is cheaper to manufacture and research.

In 1959, Automobile Insurance Carriers banded together and formed the Insurance Institute for Highway Safety (IIHS), a nonprofit organization that performs fantastic research to help make vehicles safer. While partly altruistic, the insurance companies funded this organization because they realize that safer cars equates to less money paid out in insurance claims to injured victims who hire attorneys to file suit for their injuries. Regardless of a reason, this is a great thing for everybody.

As personal injury attorneys, it’s inspiring to see the real-world effect that tort law and the resulting legislative changes have had on safety over the years. To celebrate their 50th Anniversary, the Insurance Institute for Highway Safety performed a crash test between a 2009 Chevy Malibu and a 1959 Chevrolet Bel Air. This test demonstrated how far cars have come:

The results of the above video are staggering. Even more staggering, perhaps, is the data. As can be seen in the graph below, the number of deaths per mile driven have steadily and dramatically dropped nearly every year since the invention of the automobile.

Annual US traffic fatalities per billion vehicle miles traveled (red) and miles traveled (blue) from 1921 to 2015.
Annual US traffic fatalities per billion vehicle miles traveled (red) and miles traveled (blue) from 1921 to 2015.

The fight for highway safety is far from over.

Unfortunately, even with safer cars, the fight for safety is far from over. Even with top-of-the-line safety mechanisms, we are from from eliminating “the human factor,” which remains responsible for a staggering number of deaths and injuries per year. When it’s your loved one in the car, even one death is too many.

Our Lawyers fight for car accident victims.

At Bernard Stuczynski Barnett & Lager, we continue the fight for safer vehicles and for safer drivers by protecting the innocent victims of car accidents caused by reckless and negligent drivers. We also take on the car manufacturers themselves when they create a dangerous vehicle. If you or a loved one has been hurt in a car accident, call one of our Pennsylvania Car Accident Lawyers for a free consultation. Because we understand lawyers can be expensive, we don’t charge a fee unless we obtain a recovery.