April 3, 2017 at 8:17 pm | Understanding the Difference between Limited and Full Tort Auto Insurance

Spring is finally here. The snow and cold weather are now in the rearview mirror, and you are driving along with the windows down and your favorite band turned up loud. You’re in a good mood until the unexpected happens.

The traffic light turns yellow, and the driver of the car in front of you slams on the breaks, deciding at the last second not to go through the light. Thankfully, you are paying attention and can stop in time to avoid hitting the indecisive driver’s vehicle. Unfortunately, the driver behind you wasn’t as vigilant. The next thing you know, your car is slammed from the rear in a big crash that results in your receiving whiplash and damage to your vehicle.

At the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash, we represent drivers, passengers, pedestrians and anyone involved in an auto accident. When choosing a personal injury or worker’s compensation lawyer in Philadelphia from our firm, you are making the decision to go with experience and reputation.

We use our 40-plus years of practice to both secure favorable legal results for our clients and educate them on various aspects of the law. With that being said, knowing the difference between limited and full tort is important. Many law firms will not even handle cases where you have limited tort insurance.  At Rovner, Allen, Rovner, Zimmerman & Nash we will fight for you regardless of whether you are full tort or limited tort.  So, how do these legal options affect you after you’ve been in an accident?

Limited Tort

Limited tort offers you savings on your monthly car insurance bill, but it often isn’t worth it in the long run when you want to seek reimbursement for your pain and suffering. For just a little savings you give up thousands of dollars of your rights against the person that is at fault.

With limited tort insurance, the person that is at fault does not have to pay for your non-economic damages like pain and suffering unless you sustain what is called a serious injury.  Only serious injuries are covered under limited tort. These instances include if someone was killed, suffered a serious impairment of a bodily function or sustained a permanent or serious disfigurement. Insurance companies will fight these cases by claiming that your injuries do not meet the threshold.

Often your insurance company will trick you into getting limited tort insurance by telling you that it is “full coverage.”  Full coverage just means that your insurance meets the state requirements; it does not give you the right to recover for your non-economic injuries without argument.   Limited tort insurance only benefits the person that is at fault in allowing them to cause you harm and damage but not have to pay for it.  In New Jersey, this same concept is called the Limitation on Lawsuit or Limitation on Right to Sue policy.  The exceptions and ways to overcome the limited right to sue or verbal threshold in New Jersey is a bit different than in Pennsylvania but our lawyers will be able to review and explain your situation.

Full Tort

With full tort insurance, you have the right to seek damages from the person at fault for all pain or suffering, regardless of how significant that pain or injury may be.  Full tort insurance costs a bit more but gives you the most protection.  In New Jersey, this is called no limitation on lawsuit or no threshold.

Your choice of getting limited tort or full tort comes down to the level of protection that you want. No matter what type of insurance you have, one of our lawyers will thoroughly review your claim and will explain all of your insurance options and fight for you to receive just compensation.  Remember that once an accident occurs, you cannot change your insurance choices.  Make the best choices now, before an accident happens, and call us if you have questions or need your policy choices reviewed.

You can find out more about the differences between these thresholds and full and limited tort by contacting the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash at 215-259-5958 to receive a free consultation from a personal injury or worker’s compensation attorney in the Philadelphia region.

February 27, 2017 at 1:21 pm | Workers’ Compensation: Understanding What a Claim Involves

A workplace injury can be devastating to you and your family. In addition to getting proper treatment for your injury, you can be burdened with medical bills and lost wages, making the need to timely file a workers’ compensation claim crucial.

If you are searching for a workers’ compensation attorney in the Philadelphia area, look no further than the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash. Our goal is to provide you with comprehensive representation and work with you every step of the way to make sure you get the full just compensation you deserve and are entitled to receive under the law.

You are likely eligible for workers’ compensation benefits if you suffered an injury while working or have fallen ill due to do a work-related condition or incident. Often times, employers try to force injured workers back to work before they have fully healed and they are still not physically able to perform the same job as before they were injured.  A workers compensation claim can protect an injured worker from being forced back to the job when they are not able to perform.  These injuries can be something simple or more complex. Here is a short list of some common workplace injuries:

  • Back injury
  • Broken bones
  • Carpal Tunnel Syndrome
  • Loss of a limb
  • Vision-related injury
  • Hearing loss
  • Temporary or permanent disability
  • Cancer

Unfortunately, some injuries can result in death. The surviving dependents of the deceased worker could also be entitled to benefits. Workers’ compensation laws have been established to protect the financial security of the victim and their family.

In the Numbers

According to the United States Department of Labor, there were approximately 2.9 million cases of non-fatal workplace injuries and illnesses reported by private industry employees in 2015. Just how prevalent were these cases?

The Department of Labor’s report states that a non-fatal workplace injury or illness occurs at a rate of three cases per 100 full-time workers, which is actually a decline from five cases per 100 workers in 2003.

Scope of Benefits

If you do find yourself in need of workers’ compensation benefits, you or your dependents can receive:

  1. Payments for Lost Wages
  2. Payments for your Medical Bills
  3. Medical Care
  4. Death Benefits
  5. Specific Loss Benefits

You also may be able to bring a claim against a non-work related entity for negligence and causing you harm, where you may be entitled to damages for pain, suffering, and loss of life’s pleasures.

Importance of Experienced Representation

Hiring an experienced workman’s compensation attorney in Philadelphia from a law firm such as the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash will provide you with results you seek. Our attorneys have a history of success when securing workers’ compensation awards. We understand what it takes to get you your just benefits and will be there for every stage of your case.

If you are interested in finding out more information about our workers’ compensation representation, we encourage you to call 215-259-5958 or fill out a form on our website.

January 26, 2017 at 9:37 pm | Navigating Winter Weather Woes

Watching the snow fall outside may seem peaceful when you are curled up under a blanket on your couch binge-watching The Office on Netflix. However, if you have to travel someplace or are already stuck on the road, you likely don’t feel the same sentiment about the snow and winter weather.  The snow and ice create slippery roadways which should give you cause for caution.

Needless to say, winter weather conditions can present dangerous driving situations.  The United States Department of Transportation’s Federal Highway Administration concurs. They have found that over 210,000 crashes happen each year due to snow and sleet conditions and around 800 people die annually as a result of these winter weather related car accidents.

Winter weather can leave you dealing with vehicle damage, serious injuries and being left overwhelmed with insurance companies calling you and sending volumes of legal documents to review.

Drivers in need of an experienced car accident lawyer in Bucks County can turn to the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash.  For over 40 years, we have offered experienced and comprehensive representation for clients who are picking up the pieces following a winter weather-related car accident. In addition to our top-notch legal services, here are some tips on how to safely navigate winter weather.

  • Be Prepared: Always be prepared for the worst. Whether your car breaks down and you are stranded on the side of the road, or you get into a collision, you will want to be ready. Make sure your car has enough gas for your trip, you have an emergency supply kit in case you get stranded (jumper cables, first aid, flashlight, water, food, cell phone charger, flares, snow shovel, water, and a blanket) and your car has recently been serviced.
  • Clean off your vehicle: This may seem like common sense but cleaning off your car will help you and other drivers around you, and it is required by law. Brushing the snow off the top of your vehicle, and scraping the ice from your windshields will help you maintain optimal visibility and reduce the chance of an accident. If snow flies off of your vehicle and causes harm to another, you could be found to be at fault.
  • Keep your distance: First off, you should never tailgate another driver. When it is snowing or there is ice, you should always keep extra space between you and the vehicle in front of you. This will give you more time to react to whatever happens on the road and to stop in slippery conditions.
  • Slow down: Your tires can easily lose traction with the road surface when there is snow and ice. Whether you are turning, braking, passing someone or merging, keep your speed down as it will help to keep traction with the roadway and lessen the damage in case of an impact.
  • Avoid locking your wheels: When driving in this weather, make sure to tap your brakes repeatedly to help your wheels avoid locking. If you have an anti-lock braking system you do not need to do this and you should firmly push down the brakes. This will allow you to maintain control of your vehicle when it is sliding and also shorten the distance of being out of control.

If you are looking for an experienced accident lawyer in Montgomery County or want to learn more about these helpful tips, we encourage you to call us at 215-259-5958 or fill out a contact form on our website to schedule a free initial consultation today.

December 21, 2016 at 2:47 pm | 3 Areas of Product Liability to Know About This Holiday Season

After braving long lines and inclement weather, you have finally finished your holiday shopping. Your annual trek of racing from store to store and ordering gifts online is now complete. Now that you are done shopping and wrapping your gifts, you can rest easy – or so you think.

When your little ones are tearing into their gifts, the last thing you want is for them to be harmed and injured because the gift is dangerous.  Unfortunately, some products that are given as gifts can be unsafe and harmful to their recipients due to hazardous materials, dangerous design, malfunctioning parts or other reasons.  The area of law which deals with dangerous and unsafe products that are sold and put into the stream of commerce is called product liability.  Products should always be safe when they are used properly. Product liability is a breach of trust that could require legal action. If this is the case, you can always turn to the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash for a Bucks County product liability and injury lawyer.

When it comes to product liability, there are three different areas of claims that are filed: Negligence, breach of warranty and strict liability.

Negligence

Product liability that deals with carelessness in the design or manufacturing stage is called negligence. The manufacturer of the product has a great deal of responsibility in these cases. They must prove that they took the necessary steps during all stages of designing and manufacturing a product. The manufacturer of the product in question is also required to show warnings of potential harm that could face a consumer due to certain uses and conditions.

Breach of Warranty

Speaking of warnings, breach of warranty is based on the legal concepts of contract law. A sales contract contains implied and express warranties that the purchased product will be what it says it is and it will safely function for its intended purpose and use. Breaking these warranties can result in injuries and entitle the injured party to pursue their damages.

Strict Liability

Strict liability claims require the product to be proven defective prior to its release or sale.  The defect also must have actually caused the injuries or damages. There are three ways that the injured party’s lawyer can prove that a product was defective:

  • Design
  • Manufacturing
  • Failure to warn

In proving that the product was either designed dangerously, improperly manufactured, or necessary warnings were not given, lawyers representing an injured client do not have to prove the fault of the manufacturer, designer or seller.  That is why it is called strict liability.

If you believe you have a product liability claim this holiday season, don’t hesitate to contact us. Whether you are in need of a product liability attorney or auto accident lawyer in Philadelphia, we encourage you to call 215-259-5958 for a free consultation today.

November 25, 2016 at 5:42 pm | Family Law: An Ever-Changing Area of Practice

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Written By: Robin Scolnick

Whether dealing with divorce, equitable distribution, custody, support, alimony, adoption or matters of abuse, the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash, the premier Philadelphia injury lawyer firm has a long history of providing caring, client-centered representation, focused on the understanding of the emotional difficulties these issues create.

For almost 20 years, I have fought hard for my clients in all areas of family law with compassion and toughness, when necessary. It is my intention to resolve matters amicably, when possible, and to fight for my client whenever necessary.

It is most important to me that my clients know they have an advocate who will always be available to listen. There is, in fact, a difference between family law and other areas of law; I deal directly with the complexities of dissolving relationships that may forever be entwined. It is important to me to help my client move through the process in a way that will allow healing and full understanding.

Recent Changes Cut Divorce Wait Time in Half

On Oct. 4, 2016, Governor Tom Wolf approved important changes to the necessary grounds for divorce based on the length of separation.

House Bill 380 passed the Senate on Sept. 26, 2016, and was approved by Gov. Wolf on Oct. 4 as Act 102, which would take effect 60 days thereafter. This legislation amends the divorce code to reduce the period of separation from two years to one for a divorce action based on an irretrievable breakdown (no-fault) of the marriage. This change in the law applies to periods of living separate and apart which begin after the effective date of the Act (Dec. 2016). It will not apply to currently pending divorce actions.

This legislation was presented with the hope that reducing the length of time to establish grounds for a non-consensual no-fault divorce would reduce turmoil for children by having more timely economic decisions, which in turn implicates decisions which impact children, such as school placement and housing arrangements. By offering prompt access to the court process, the goal is for less conflict and reduced legal expenses.

About the Author

Robin Cohen Scolnick graduated with her bachelor’s degree from Rider University and earned her Juris Doctor degree from Widener School of Law.  She practices in both Pennsylvania and New Jersey and has represented hundreds of clients in both jurisdictions.

Ms. Scolnick is a Bucks County resident and has been for over 30 years. She has two sons who attended Lower Southampton Elementary, the George School, Solebury School, Purchase College, University of Illinois and New York University.  Ms. Scolnick is a survivor of divorce raising her sons as a single parent. Her oldest son currently lives and teaches at Colombia and her younger son is a celebrated musician, Langhorne Slim. She is over-the-moon proud of them both!

Should you have any questions regarding any area of family law, please contact Ms. Scolnick at 215-953-2722 or the Law Offices of Rovner, Allen, Rovner, Zimmerman & Nash at 215-259-5958 or online at www.dial-law.com.  We offer free consultations for various aspects of law and are there for you whether you need a family attorney or a personal injury lawyer in Camden, Bucks County, Montgomery County or Philadelphia.