— Experienced Pennsylvania And New Jersey Motor Vehicle Accident Attorneys
Philadelphia Car Accident Lawyers
After a serious car crash, the insurance company starts building its case immediately — and it is not on your side. Fritz & Bianculli levels the field, handling the insurers and the fine print so you can focus on healing.
Pennsylvania’s Full Tort vs. Limited Tort
One choice on your auto policy can quietly shape your entire claim. ‘Full tort’ preserves your right to sue for pain and suffering after any injury; ‘limited tort’ costs less but restricts that right to serious injuries. Even under limited tort, important exceptions can restore your full rights — such as being struck by an out-of-state or commercial vehicle, or a drunk driver. We identify which apply to you.
New Jersey’s Verbal Threshold
New Jersey drivers face a similar choice through the ‘limitation on lawsuit,’ or verbal, threshold, which limits claims for pain and suffering unless the injury meets certain categories. Understanding your coverage is the first step in valuing your claim correctly.
How PIP and No-Fault Coverage Work
Both Pennsylvania and New Jersey use personal injury protection (PIP), which pays certain medical expenses regardless of fault. Report the crash to your own insurer for PIP, but be careful before giving a recorded statement to the other driver’s insurer — those statements are often used to reduce or deny claims.
What to Do After a Car Accident
Check for injuries and call 911, report the crash to police, exchange information, photograph the scene, and seek medical care even if you feel fine — some injuries surface days later. Then have your case reviewed. With a free consultation and no fee unless we win, there is little downside to knowing your rights.
Serving Philadelphia and New Jersey
From our offices in South Philadelphia, Northeast Philadelphia, and Sewell, New Jersey, we represent injured people throughout the Philadelphia region and across New Jersey — with a special focus on South Jersey, from the Delaware River communities all the way to the Jersey Shore.
Injured in a car crash? Call Fritz & Bianculli at (215) 458-2222 for a free, confidential consultation. You pay no attorney fee unless we win, we are available 24/7, and we have Spanish- and Portuguese-speaking staff ready to help.
RECOGNITION
Frequently Asked Questions
Do I need a lawyer for a car accident?
If you were injured, an attorney typically helps you recover more than handling the insurer alone — by valuing the claim correctly, handling PIP and tort issues, and countering lowball offers. With a free consultation and no fee unless you win, there is little downside to getting your case reviewed.
What is the difference between full tort and limited tort in Pennsylvania?
‘Full tort’ preserves your right to sue for pain and suffering after any injury; ‘limited tort’ costs less but restricts that right to serious injuries. Which you selected on your policy affects your claim — though exceptions can restore full rights even under limited tort.
What should I do after a car accident in Pennsylvania?
Check for injuries and call 911, report the crash to police, exchange information, photograph the scene, and seek medical care even if you feel fine. Report to your own insurer for PIP, but speak with an attorney before giving a recorded statement to the other driver’s insurer.
How long do I have to file a car accident claim?
In both Pennsylvania and New Jersey, you generally have two years from the date of the crash to file a personal injury lawsuit. Insurance notice deadlines are much shorter, so act promptly.