Philadelphia Car Accident Lawyer
Aggressive Legal Representation for Car Accident Victims in Philadelphia
If you’ve been injured in a car accident in Philadelphia, you need an experienced legal team fighting for the compensation you deserve. At Pagano Law, we understand the physical, emotional, and financial toll a car crash can take on your life. Our dedicated attorneys are here to help you navigate the complex legal process and hold negligent drivers accountable.
Call (215) 636-0160 for your free consultation. No fee unless we win your case.
Injured in a Philadelphia Car Accident? We Can Help
Being involved in a car accident can turn your life upside down in an instant. Whether you were rear-ended on the Schuylkill Expressway, T-boned at a busy Center City intersection, or hit by a drunk driver on Roosevelt Boulevard, the aftermath can be overwhelming. You’re dealing with painful injuries, mounting medical bills, lost wages from missing work, and insurance companies that seem more interested in protecting their bottom line than helping you recover.
At Pagano Law, we’ve spent decades helping Philadelphia car accident victims get their lives back on track. Our firm is deeply rooted in this community, and we understand the unique challenges of navigating Philadelphia’s busy streets, congested highways like I-95 and I-76, and dangerous intersections throughout the city. We know which roads see the highest accident rates, we understand Pennsylvania’s complex insurance laws, and we have the experience to build the strongest possible case on your behalf.
Led by Gregory J. Pagano, our team provides personalized attention to every client. We’re not a case mill that treats you like a number. When you call Pagano Law, you get direct access to experienced attorneys who genuinely care about your recovery and your future. We handle every aspect of your case so you can focus on healing while we fight for the maximum compensation you deserve.
Don’t face this alone. Contact Pagano Law today at (215) 636-0160 for a free, no-obligation consultation.
Why Choose Pagano Law for Your Philadelphia Car Accident Case?
Decades of Experience in Philadelphia Courts
Gregory Pagano has built his reputation representing injured Philadelphians in courtrooms throughout the city and surrounding counties. This local experience matters. We know the judges, we understand how Philadelphia juries think, and we’ve built relationships with opposing counsel that allow us to negotiate from a position of strength. Our deep knowledge of the Philadelphia court system means we can navigate your case efficiently and effectively, whether we’re negotiating a settlement or taking your case to trial.
Track Record of Results
We’ve recovered millions of dollars for Philadelphia car accident victims over the years. While every case is unique and past results don’t guarantee future outcomes, our history speaks to our commitment and capability. Our clients have received substantial settlements and verdicts for their injuries, allowing them to pay medical bills, replace lost income, and move forward with their lives. We’re proud of the results we’ve achieved, and we bring that same dedication and skill to every new case we handle.
No Fee Unless We Win
We understand that after a car accident, money is tight. Medical bills are piling up, you may be out of work, and the last thing you need is an expensive legal bill. That’s why Pagano Law works on a contingency fee basis. You pay nothing upfront, no hourly fees, and no costs unless we successfully recover compensation for you. If we don’t win, you don’t pay. This arrangement allows everyone access to quality legal representation, regardless of their financial situation, and it means we’re fully invested in getting you the best possible outcome.
Personal Attention to Every Case
When you hire Pagano Law, you’re not just another file number. You’ll work directly with experienced attorneys who take the time to understand your unique situation, answer your questions, and keep you informed throughout the process. We return calls promptly, explain legal concepts clearly, and make sure you feel supported every step of the way. Our clients consistently tell us they appreciated the personal attention and genuine care they received from our team.
We Handle Everything
From the moment you hire us, we take the burden off your shoulders. We deal with aggressive insurance adjusters so you don’t have to. We gather all necessary evidence, from police reports to medical records. We coordinate with medical providers and help you get the treatment you need. We investigate the accident scene, interview witnesses, and consult with experts when necessary. You can focus on your recovery while we focus on building the strongest possible case and fighting for every dollar you deserve.
Ready to experience the Pagano Law difference? Call (215) 636-0160 now.
Excellent attorney
I hired Hank to help me after I suffered an accident. He was professional, thorough, and always attentive to my questions and concerns. He obtained the best possible settlement very quickly, far more than I would have obtained representing myself. I had a great experience working with Hank and would recommend him to anyone needing an effective attorney. – July 13, 2019
Professional and attentive
I recently had an accident and hired Mr. George. He was able to get me 20 times more than the initial settlement offer. Mr. George was always available when I needed to speak to him and he kept me updated. My case was settled in a very timely manner and I was impressed by Mr. George’s attention to my needs and his professionalism. I felt like he really cared about my needs and getting the results that would benefit me the most . – January 4, 2019
Types of Philadelphia Car Accidents We Handle
No matter what type of car accident you’ve been involved in, Pagano Law has the experience and resources to handle your case. We’ve successfully represented clients injured in all types of collisions throughout Philadelphia and surrounding areas.
Rear-End Collisions
Rear-end accidents are among the most common types of crashes on Philadelphia’s busy streets and highways. Whether caused by distracted driving, tailgating, or sudden stops in traffic, these collisions can result in serious injuries despite often occurring at relatively low speeds. Whiplash, back injuries, and traumatic brain injuries are common consequences of rear-end impacts. We prove the other driver’s negligence and fight for compensation that covers all your medical treatment, lost wages, and pain and suffering.
Head-On Collisions
Head-on collisions are among the most dangerous and often deadly types of car accidents. These devastating crashes frequently result from wrong-way drivers, drivers who cross the center line, or impaired motorists. The force of two vehicles colliding front-to-front often causes catastrophic injuries including severe brain damage, spinal cord injuries, multiple fractures, and internal organ damage. If you or a loved one has survived a head-on collision, you need aggressive legal representation to secure the substantial compensation necessary for long-term care and recovery.
Side-Impact (T-Bone) Accidents
T-bone accidents commonly occur at Philadelphia’s countless intersections when one driver runs a red light, fails to yield the right of way, or misjudges another vehicle’s speed. Because the side of a vehicle offers minimal protection compared to the front or rear, occupants often suffer serious injuries in side-impact collisions. Broken ribs, internal injuries, head trauma, and pelvic fractures are frequent results. We thoroughly investigate these accidents to prove which driver violated traffic laws and caused the crash.
Multi-Vehicle Pileups
Multi-vehicle pileups on the Schuylkill Expressway, I-95, and other major Philadelphia highways can involve numerous vehicles and result in complex liability issues. Determining who’s at fault when three, five, or ten vehicles are involved requires detailed accident reconstruction and careful analysis. Multiple insurance companies will be involved, each trying to minimize their client’s responsibility. Our experience handling these complex cases ensures all liable parties are held accountable and you receive full compensation.
Hit-and-Run Accidents
Unfortunately, hit-and-run accidents are all too common in Philadelphia. If a driver fled the scene after hitting you, you may feel helpless, but you still have options. We work with law enforcement to help track down fleeing drivers, and we explore your uninsured motorist coverage to ensure you’re compensated even if the at-fault driver is never found. You deserve justice and compensation regardless of whether the other driver stayed at the scene.
Distracted Driving Accidents
The epidemic of distracted driving has made Philadelphia’s roads more dangerous than ever. Drivers texting, using GPS, eating, or otherwise taking their attention off the road cause thousands of preventable accidents each year. We obtain cell phone records, review traffic camera footage, and gather witness testimony to prove the other driver was distracted. Pennsylvania law is clear about the dangers of distracted driving, and we use every available tool to hold negligent drivers accountable.
Drunk Driving Accidents
Drunk driving accidents are entirely preventable tragedies that devastate innocent victims. If you were hit by an impaired driver, you may be entitled to punitive damages in addition to compensation for your injuries. We pursue every avenue for recovery, including potential dram shop claims against bars or restaurants that over-served the drunk driver. These cases send a strong message that driving under the influence will not be tolerated and carries serious consequences.
Rideshare Accidents (Uber/Lyft)
As rideshare services have become increasingly popular in Philadelphia, accidents involving Uber and Lyft drivers have risen accordingly. These cases involve complex insurance coverage issues depending on whether the driver was on a trip, had the app on waiting for a ride, or was off-duty. Uber and Lyft carry substantial insurance policies, but accessing that coverage requires knowledge of their specific requirements and procedures. We’ve handled numerous rideshare accident cases and know how to navigate these unique claims.
Intersection Accidents
Philadelphia’s busy intersections along Broad Street, Market Street, and throughout the city see countless accidents each year. Traffic signal malfunctions, drivers running red lights, failure to yield, and confusion about right-of-way all contribute to these crashes. We investigate the intersection where your accident occurred, review traffic signal records, and determine whether poor road design or inadequate signage contributed to the collision. Every factor matters when building your case.
No matter what type of accident caused your injuries, we can help. Call Pagano Law at (215) 636-0160 today.
Common Injuries from Philadelphia Car Accidents
Car accidents can cause devastating injuries that affect every aspect of your life. The force of a collision, even at relatively low speeds, can cause serious harm to the human body. At Pagano Law, we’ve represented clients who have suffered virtually every type of accident-related injury.
Traumatic Brain Injuries (TBI)
Brain injuries range from concussions to severe traumatic brain injuries that cause permanent cognitive impairment. Even “mild” concussions can have long-lasting effects on memory, concentration, mood, and overall quality of life.
Spinal Cord Injuries
Damage to the spinal cord can result in partial or complete paralysis. Paraplegia (paralysis of the lower body) and quadriplegia (paralysis of all four limbs) are life-altering injuries that require extensive medical care, home modifications, assistive devices, and long-term attendant care.
Neck and Back Injuries
Whiplash is one of the most common car accident injuries, but it’s far from minor. The rapid back-and-forth motion of the head and neck can cause soft tissue damage, nerve damage, and chronic pain that lasts for months or years.
Broken Bones and Fractures
The force of a car accident commonly causes broken bones throughout the body. Arms, legs, ribs, the pelvis, facial bones, and other fractures often require surgery with pins, plates, or rods to heal properly.
Internal Injuries
Internal bleeding and organ damage are serious, potentially life-threatening injuries that may not be immediately apparent after an accident. The liver, spleen, kidneys, and other internal organs can be damaged by blunt force trauma.
Soft Tissue Injuries
Sprains, strains, tears, and other soft tissue injuries affect muscles, ligaments, and tendons throughout the body. While insurance companies often try to downplay these injuries as “minor,” they can cause significant pain and disability.
Cuts, Lacerations, and Scarring
Broken glass, twisted metal, and deployed airbags commonly cause cuts and lacerations in car accidents. Facial injuries and visible scarring can cause permanent disfigurement that affects your self-esteem and quality of life.
Psychological Trauma
The psychological impact of a car accident shouldn’t be underestimated. Many accident victims develop post-traumatic stress disorder (PTSD), anxiety, depression, and a fear of driving or riding in vehicles.
Even injuries that seem “minor” at first can have major consequences. Don’t let insurance companies minimize your injuries. Call Pagano Law at (215) 636-0160.
What to Do After a Car Accident in Philadelphia
The steps you take immediately after a car accident can significantly affect your ability to recover compensation. While your first priority should always be safety and medical care, following these guidelines will help protect your legal rights.
At the Scene
Check for injuries. Your safety and the safety of others comes first. If anyone is injured, this becomes the immediate priority.
Call 911. Always contact police and request medical assistance, even if injuries seem minor. A police report creates an official record of the accident, and some injuries don’t show symptoms immediately.
Document everything. If you’re physically able, use your phone to take extensive photos and videos of the vehicles involved, all damage, the accident scene, road conditions, weather, traffic signals, skid marks, debris, and anything else that might be relevant. The more documentation, the better.
Exchange information. Get the other driver’s name, contact information, driver’s license number, insurance company, and policy number. Also get the license plate number and vehicle description. If there are passengers, get their information as well.
Get witness information. If anyone saw the accident, get their names and phone numbers. Ask what they observed. Independent witnesses can be invaluable to your case.
Note important details. Write down or record the time, date, exact location, traffic conditions, your observations about what happened, and anything the other driver says. Memory fades quickly, so capture these details while they’re fresh.
Don’t admit fault. Even if you think you might have contributed to the accident, don’t apologize or accept blame at the scene. Stick to facts when talking to police and other drivers. Anything you say can be used against you.
After Leaving the Scene
Seek medical attention immediately. Even if you feel fine, see a doctor as soon as possible. Adrenaline can mask injuries, and some conditions like internal bleeding or brain injuries may not show symptoms immediately. Seeking prompt medical care also creates a medical record linking your injuries to the accident, which is essential for your claim.
Report the accident to your insurance company. Your policy requires prompt notification. However, be careful what you say. Stick to basic facts and don’t give detailed statements or accept blame. Tell them you’ve hired an attorney and refer them to us.
Keep all documentation. Save every piece of paper related to the accident: medical records and bills, police reports, photos and videos, repair estimates, rental car receipts, and any correspondence from insurance companies. Create both physical and digital copies.
Don’t talk to the other driver’s insurance company. They will contact you quickly, often within hours, trying to get a recorded statement or convince you to settle. They’re not looking out for your interests. Politely decline to give statements and refer them to your attorney.
Pennsylvania Car Accident Laws You Need to Know
Pennsylvania has unique car accident laws that significantly impact your case. Understanding these laws is critical to protecting your rights and maximizing your compensation.
Pennsylvania’s Limited vs. Full Tort Insurance
When you purchased your auto insurance policy in Pennsylvania, you made a choice between “limited tort” and “full tort” coverage. This choice dramatically affects your ability to recover compensation after an accident.
What is tort insurance? Tort insurance determines what damages you can sue for after a car accident. Most people don’t fully understand this choice when they buy insurance, but it becomes critically important after an accident.
Limited Tort coverage allows you to sue for economic damages like medical expenses and lost wages, but restricts your ability to sue for non-economic damages like pain and suffering unless you meet the “serious injury” threshold. People choose limited tort because it offers lower insurance premiums, but it can severely limit compensation after an accident.
Full Tort coverage allows you to sue for all damages including pain and suffering, loss of enjoyment of life, and other non-economic damages, with no restrictions. While it costs more in monthly premiums, it provides much more protection if you’re injured.
The “Serious Injury” Exception to limited tort allows you to sue for full damages if you suffered death, serious impairment of a body function, or permanent serious disfigurement. We can help determine if your injuries meet this threshold.
Why this matters: The difference between limited and full tort can mean tens or hundreds of thousands of dollars in your compensation. We’ll review your insurance policy and explain exactly what coverage you have.
Statute of Limitations in Pennsylvania
Pennsylvania law gives you two years from the date of your car accident to file a lawsuit. The clock starts ticking on the day of the accident, and if you miss this deadline, you lose your right to sue forever, with very few exceptions.
Why you need to act now: Evidence disappears quickly. Witnesses move away or forget details. Medical records get lost. Surveillance footage gets deleted. Physical evidence like skid marks fade. The sooner we start working on your case, the stronger it will be.
Exceptions are rare. While there are limited exceptions for minors or cases where injuries weren’t discovered immediately, you should never count on these exceptions applying to your case. The safest course is to contact an attorney as soon as possible after your accident.
Comparative Negligence in Pennsylvania
Pennsylvania follows a “51% bar rule” for comparative negligence. This means you can recover damages as long as you’re 50% or less at fault for the accident. If you’re found to be 51% or more at fault, you cannot recover anything.
How it works: If you’re found partially at fault, your compensation is reduced by your percentage of fault. For example, if you’re awarded $100,000 but found to be 20% at fault, you would receive $80,000.
Insurance companies exploit this rule. They will aggressively try to shift blame to you to reduce what they have to pay. Even if their driver clearly caused the accident, they’ll look for any way to claim you contributed to the crash.
Why legal representation matters: We fight back with evidence that proves the other driver’s negligence and minimizes any blame assigned to you. Our thorough investigation and skilled advocacy can make the difference between recovering full compensation and receiving nothing.
Pennsylvania No-Fault Benefits (First-Party Benefits)
Pennsylvania requires drivers to carry first-party benefits (also called PIP or medical payments coverage) that pay for your medical expenses, lost wages, and funeral expenses regardless of who caused the accident. These benefits are available from your own insurance policy up to the limits you selected.
These first-party benefits are separate from your injury claim against the at-fault driver. You can receive both your first-party benefits and file a claim against the other driver’s insurance.
Uninsured/Underinsured Motorist Coverage
Uninsured motorist (UM) coverage protects you if you’re hit by a driver with no insurance. Underinsured motorist (UIM) coverage protects you when the at-fault driver doesn’t have enough insurance to cover your damages.
This coverage is part of your own insurance policy, but many people don’t realize they have it or how it works. We regularly pursue UM/UIM claims for our clients, especially in Philadelphia where uninsured drivers are unfortunately common.
When I say effective and thorough, I mean it. I procured Greg’s services to assist my nephew with a case. First, Greg and team makes every effort to make effective counsel available to those in need. Their flexibility regarding payment readiness and payment plans was very comforting and a relief. Greg not only provided advice as counsel but as a family friend, as such he gave our family the strength to fight those charges as well. Greg did not steer us wrong. My nephew was found not guilty of all charges and was able to walk away from the whole experience with peace of mind. Thank you to the Pagano team and specifically Greg for being just what our family needed effective counsel, a sense of compassion and understanding, and a fighter of justice for all. Thank you.
I was recently accused of something I did not do, and there was no evidence to support the accusation. It was an incredibly stressful situation, and Greg was exactly the person I needed. He took my call late on a weekend, immediately calmed me down, and guided me step by step through what to do next.
Greg was clear, steady, and reassuring throughout the entire process. He explained everything in a way that made me feel informed and protected, not overwhelmed. Having him in my corner made all the difference.
I truly cannot recommend anyone more highly. If you are ever accused of something or find yourself in trouble and need someone you can trust, Greg is the person to call. There is no one I would trust more.
What Compensation Can You Recover After a Philadelphia Car Accident?
We fight to maximize every dollar you deserve. The compensation available in car accident cases depends on the severity of your injuries, the impact on your life, and whether you have full tort or limited tort insurance coverage.
Economic Damages (Tangible Financial Losses)
Medical Expenses include every dollar you’ve spent or will spend on accident-related medical care: emergency room and hospital bills, surgery costs, doctor visits and specialists, physical therapy and rehabilitation, prescription medications, medical equipment like wheelchairs or crutches, and future medical care for ongoing treatment or permanent injuries.
Lost Wages compensate you for income you’ve already lost due to the accident. This includes time you missed from work while recovering, sick days and vacation days you had to use, and documented lost income from your employer.
Loss of Earning Capacity applies when your injuries prevent you from returning to your previous job or reduce your ability to earn income in the future. If you’re permanently disabled, can’t perform the same work, or have reduced income potential, expert testimony can establish the value of these future losses.
Property Damage includes the cost to repair or replace your vehicle, personal property that was damaged in the crash, and rental car expenses while your vehicle is being repaired or replaced.
Non-Economic Damages (Intangible Losses)
Pain and Suffering compensates you for the physical pain you’ve endured from your injuries, chronic pain conditions that may last for years, and ongoing discomfort that affects your daily life.
Emotional Distress recognizes the psychological impact of the accident including PTSD, anxiety, depression, fear of driving or riding in cars, psychological trauma, and the cost of therapy and counseling to address these conditions.
Loss of Enjoyment of Life compensates you when injuries prevent you from participating in hobbies you once enjoyed, playing with your children, engaging in sports or recreational activities, or generally reduce your quality of life.
Loss of Consortium recognizes the impact your injuries have on your marriage or relationship. This includes loss of companionship, intimacy, and support. Your spouse can make a separate claim for these damages.
Disfigurement and Scarring addresses the compensation you deserve for permanent visible scars, facial injuries that affect your appearance, and the self-consciousness and embarrassment that often accompany disfiguring injuries.
Punitive Damages (Rare)
Punitive damages are only awarded in cases involving extreme recklessness or intentional conduct, such as drunk driving or deliberately causing a crash. These damages are meant to punish the defendant and deter similar behavior, and they’re awarded in addition to compensatory damages.
Important note: Whether you have full tort or limited tort insurance affects what non-economic damages you can recover. We’ll review your policy and explain exactly what compensation you’re entitled to pursue.
Who Can Be Held Liable for Your Philadelphia Car Accident?
One of the most important aspects of maximizing your compensation is identifying all potentially liable parties. Multiple parties may be responsible for your injuries, and we investigate thoroughly to ensure everyone who contributed to the accident is held accountable.
The Other Driver
The most common defendant in car accident cases is the driver who caused the crash. Their personal negligence—whether speeding, distracted driving, running a red light, DUI, or any other form of careless or reckless behavior—makes them liable for all damages they caused.
Vehicle Owner (if different from driver)
When the at-fault driver doesn’t own the vehicle they were operating, the owner can also be held liable. Pennsylvania law allows for “negligent entrustment” claims when an owner lends their vehicle to someone they know or should know is an incompetent or reckless driver. Additionally, under permissive use laws, vehicle owners are often liable for accidents caused by anyone they gave permission to drive.
Employer/Trucking Company
If the at-fault driver was working at the time of the accident—making deliveries, commuting between job sites, running company errands—their employer may be liable under the legal doctrine of “vicarious liability.” Employers can also be directly liable for negligent hiring, training, or supervision of drivers. Commercial trucking companies carry much larger insurance policies than individual drivers, potentially increasing available compensation significantly.
Vehicle/Parts Manufacturer
When mechanical failure causes or contributes to an accident, the vehicle or parts manufacturer may be liable under product liability laws. Defective brakes, tire blowouts, airbag malfunctions, or design flaws can all lead to manufacturer liability. These cases often involve complex expert testimony but can result in substantial compensation.
Government Entity
Dangerous road conditions, poor road design, missing or broken traffic signals, inadequate signage, and failure to maintain roads can all contribute to accidents.
Bar/Restaurant (Dram Shop Liability)
Pennsylvania’s dram shop laws allow you to sue bars, restaurants, and other establishments that served alcohol to a visibly intoxicated person who then caused an accident.
Rideshare Company (Uber/Lyft)
Rideshare accidents involve complex insurance issues that depend on the driver’s status at the time of the crash. If the driver had a passenger, Uber and Lyft’s $1 million liability policies apply.
Maintenance/Repair Shop
When improper repairs or negligent maintenance contribute to an accident, the repair shop or mechanic who worked on the vehicle may be liable. If they failed to properly fix known issues, installed defective parts, or made errors that led to mechanical failure, they can be held accountable.
Why You Need a Lawyer to Deal with Philadelphia Insurance Companies
After a car accident, you’re facing professional insurance adjusters whose job is to pay you as little as possible. These aren’t your friends or advocates, rather, they work for corporations focused on protecting their profits, not your wellbeing.
Why Having a Lawyer Levels the Playing Field
We speak the insurance industry’s language. We know their tactics because we’ve seen them countless times. We’re not intimidated by large insurance companies or their lawyers. We protect your rights at every stage. We negotiate from a position of strength because insurance companies know we’re willing and able to take cases to trial. When necessary, we do take cases to trial and win.
What We Handle So You Don’t Have To
Once you hire Pagano Law, you can stop worrying about the legal aspects of your case. We handle all phone calls and correspondence with insurance companies, complete all necessary paperwork and documentation, negotiate settlements aggressively and strategically, fight unfair claim denials with legal action when needed, deal with medical liens from hospitals and health insurance, coordinate with your health insurance to prevent double recovery issues, and protect you from making mistakes that could hurt your case.
Don’t face insurance companies alone. They have lawyers working for them—you should too. Call (215) 636-0160.
Philadelphia Car Accident FAQ
How much does it cost to hire Pagano Law?
Absolutely nothing upfront. We work on a contingency fee basis, which means we only get paid if we win your case. There are no hourly fees, no retainer, and no costs to you unless we successfully recover compensation. If we don’t win, you don’t pay. This arrangement allows everyone access to quality legal representation regardless of their financial situation, and it means we’re fully invested in getting you the best possible outcome.
How much is my car accident case worth?
Every case is unique, and the value depends on many factors including the severity of your injuries, the amount of medical treatment required, whether you have permanent injuries or disability, how much work you missed and future earning capacity, property damage, pain and suffering, whether you have full tort or limited tort insurance, and the strength of evidence proving the other driver’s fault. We provide free case evaluations where we can give you an honest assessment of what your case may be worth.
How long do I have to file a car accident lawsuit in Pennsylvania?
Pennsylvania law gives you two years from the date of the accident to file a lawsuit. If you miss this deadline, you lose your right to sue permanently, with very few exceptions. However, you shouldn’t wait until the deadline approaches. Evidence disappears, witnesses become unavailable, and building a strong case takes time. Contact us as soon as possible after your accident to protect your rights.
What if I was partially at fault for the accident?
Pennsylvania follows a “51% bar rule.” You can still recover damages as long as you’re 50% or less at fault for the accident. If you’re found to be 51% or more at fault, you cannot recover anything. If you’re partially at fault, your compensation is reduced by your percentage of responsibility. For example, if you’re awarded $100,000 but found 20% at fault, you’d receive $80,000. Insurance companies will try to shift blame to you, which is why having an experienced attorney is critical.
What if the other driver doesn't have insurance?
If you’re hit by an uninsured driver, you can make a claim under your own uninsured motorist (UM) coverage, which is part of your auto insurance policy. Many people don’t realize they have this coverage or how to access it. We help you navigate uninsured motorist claims to ensure you’re compensated even when the at-fault driver has no insurance. Pennsylvania requires insurance companies to offer UM coverage, though you can reject it.
How long will my case take?
Most car accident cases settle within 6-12 months, though complex cases or those that go to trial can take longer. The timeline depends on the severity of your injuries (cases can’t fully settle until you’ve completed treatment or reached maximum medical improvement), the complexity of liability issues, how many parties are involved, whether the insurance company negotiates in good faith, and whether a lawsuit becomes necessary. We move as efficiently as possible while ensuring we don’t settle too quickly and leave money on the table.
What if I didn't feel hurt right away?
This is extremely common. Adrenaline masks pain immediately after an accident, and many injuries don’t show symptoms for hours or even days. Soft tissue injuries, whiplash, and even some brain injuries have delayed symptoms. This is exactly why you should see a doctor immediately, even if you feel fine. You still have a valid claim even if symptoms appeared later, as long as you can prove the injuries resulted from the accident. Seeing a doctor right away creates a medical record linking your injuries to the crash.
Can I still file a claim if the police report says I was at fault?
Yes. Police reports are not the final determination of fault. Officers don’t always see the accident happen, and they sometimes get it wrong. We can challenge police reports with our own investigation, witness statements, accident reconstruction, vehicle damage analysis, and other evidence. An incorrect police report doesn’t mean you can’t recover compensation—it just means we have more work to do.
What is the difference between full tort and limited tort in Pennsylvania?
When you bought your auto insurance, you chose between limited tort and full tort coverage. Full tort allows you to sue for all damages including pain and suffering, emotional distress, and loss of enjoyment of life. Limited tort restricts your ability to sue for these non-economic damages unless you meet the “serious injury” threshold (death, serious impairment of body function, or permanent serious disfigurement). Limited tort offers lower premiums but dramatically limits your recovery. We’ll review your policy and explain exactly what coverage you have.
Will I have to go to court?
Most car accident cases settle without going to court. The vast majority resolve through negotiation with insurance companies. However, if the insurance company refuses to make a fair offer, filing a lawsuit and potentially going to trial may be necessary. If your case does go to trial, we’re experienced trial attorneys who will represent you aggressively. We’ll prepare you for what to expect and be with you every step of the way.
How do I pay for medical treatment after the accident?
You have several options: your health insurance should cover accident-related medical treatment; Pennsylvania no-fault benefits (first-party benefits/PIP) from your auto insurance pay medical expenses regardless of fault; many medical providers will treat personal injury patients on a lien basis, meaning they wait to be paid from your settlement; and Medicare or Medicaid if you qualify. We help coordinate medical treatment and billing so you can get the care you need.
What if the insurance company denies my claim?
Insurance companies sometimes deny valid claims, but that doesn’t end your options. We fight claim denials aggressively by gathering additional evidence, filing appeals through the insurance company’s internal process, filing a lawsuit to force them to cover the claim, and when appropriate, filing bad faith lawsuits against insurance companies that improperly deny legitimate claims. Don’t give up if your claim is denied—call us to explore your options.
About Pagano Law – Philadelphia Car Accident Lawyers
Pagano Law has been serving injured Philadelphians for decades, building a reputation for aggressive advocacy, personal attention, and real results. Led by Gregory J. Pagano, our firm focuses exclusively on personal injury law with a particular emphasis on car accident cases.
Gregory Pagano grew up in Philadelphia and has dedicated his career to helping his neighbors when they need it most. His deep knowledge of Pennsylvania law, Philadelphia courts, and local insurance companies makes him uniquely qualified to handle complex car accident cases. He’s tried cases before Philadelphia juries, negotiated with every major insurance company, and built relationships throughout the legal community that benefit our clients.
We’re not a high-volume case mill that treats clients like numbers. Every client at Pagano Law receives personal attention from experienced attorneys. We return phone calls promptly, explain legal concepts in plain English, and make sure you feel supported throughout what can be a stressful process. Our clients consistently tell us they appreciated the personal care and attention they received.
Our office is located right here in Philadelphia, making us easily accessible to clients throughout the city and surrounding counties. We’re members of the legal community, active in local organizations, and committed to serving our neighbors with integrity and excellence.
Over the years, we’ve recovered millions of dollars for Philadelphia car accident victims. While past results don’t guarantee future outcomes, our track record demonstrates our commitment to maximizing compensation for every client. We’re proud of the results we’ve achieved and bring that same dedication to every new case.
When you need a Philadelphia car accident lawyer who truly cares, call Pagano Law.
Serving Car Accident Victims Throughout Philadelphia
Pagano Law proudly serves car accident victims in every Philadelphia neighborhood and the surrounding areas:
Center City | South Philadelphia | North Philadelphia | Northeast Philadelphia | West Philadelphia | Roxborough | Manayunk | Fishtown | Kensington | Chestnut Hill | Mount Airy | Germantown | University City | Port Richmond | Fairmount | Brewerytown
And all surrounding communities throughout Pennsylvania.
Dangerous Philadelphia Roads and Intersections We Know Well
We’re intimately familiar with Philadelphia’s most dangerous roads and intersections where accidents frequently occur:
- Roosevelt Boulevard – One of the deadliest roads in the country
- I-95 corridor – Heavy truck traffic and high speeds
- Schuylkill Expressway (I-76) – Congestion and aggressive drivers
- Broad Street – High-volume traffic through the city
- Market Street – Busy downtown corridor
- Girard Avenue – Multiple lanes and complex intersections
- Delaware Avenue – Mix of highway speeds and city traffic
- City Avenue – Border road with heavy commercial traffic
Our knowledge of these locations and local traffic patterns strengthens our ability to investigate your accident and prove liability.
We Know Philadelphia Courts
Gregory Pagano has practiced in Philadelphia courts for decades. We’re familiar with the Court of Common Pleas, Municipal Court, and Federal Court. We know the local judges, understand how Philadelphia juries think, and have built relationships throughout the legal community. This local experience and knowledge benefits our clients in negotiations and at trial.
Philadelphia Car Accident Resources
Pennsylvania Department of Transportation (PennDOT) – For accident statistics and safety information: www.penndot.gov
Philadelphia Police Department – To request accident reports: www.phillypolice.com
Our Blog – Read more articles about car accidents, Pennsylvania law, and your rights after an injury.
Looking for more information? Explore our comprehensive guides on car accident law and your legal rights.
Contact Our Philadelphia Car Accident Lawyers Today
Don’t wait another day to protect your rights. Insurance companies are already working to minimize your claim. You need an experienced advocate on your side fighting for the compensation you deserve.
At Pagano Law, we offer:
- Free, no-obligation consultations – Speak with an experienced attorney at no cost
- No fee unless we win – You pay nothing upfront and nothing unless we recover compensation for you
- 24/7 availability – We’re here when you need us
- Personal attention – You’ll work directly with experienced attorneys who care about your case
- Proven results – Millions recovered for Philadelphia car accident victims
Call Now: (215) 636-0160
Office Location: 1315 Walnut St, Philadelphia, PA 19107
Office Hours: Monday – Friday: 9:00 AM – 5:00 PM
Email: info@paganolaw.net
Free Consultation – Call (215) 636-0160
Time is critical. Evidence disappears. Witnesses forget. Don’t let the insurance companies take advantage of you. Contact Pagano Law today and let us fight for the compensation you deserve.
Your consultation is completely free. You have nothing to lose and everything to gain.
Testimonials
What Clients Say
D. Pennington – 10/19 Not Guilty – Attempted Murder D. Pennington - 10/19 Not Guilty - Attempted Murder
Anonymous – 5/17 Case Dismissed – Robbery Motor Vehicle (Carjacking) Anonymous - 5/17 Case Dismissed - Robbery Motor Vehicle (Carjacking)
Nafis Pinkney – 2/18 Not Guilty – Murder Case. Nafis Pinkney - 2/18 Not Guilty - Murder Case.
John P. – 3/18 Case Dismissed – Discharge of Firearm at Police. John P. - 3/18 Case Dismissed - Discharge of Firearm at Police.
Mike – 5/18 Mike - 5/18
Mike – 8/18 Not Guilty – Assault and Burglary Mike - 8/18 Not Guilty - Assault and Burglary
Anonymous – 11/18 Anonymous - 11/18
YE – 11/18 NOT GUILTY – Murder Case YE - 11/18 NOT GUILTY - Murder Case
Lisa M. – 12/18 Case Dismissed – Drugs and Guns Lisa M. - 12/18 Case Dismissed - Drugs and Guns
AT – 12/18 Case Dismissed. Aggravated Assault on Police. AT - 12/18 Case Dismissed. Aggravated Assault on Police.
Mr. Pagano provided amazing service to me. He provided a holistic approach because he understood that my children were affected by the unfortunate circumstances. Throughout the process, he was attentive to all of my concerns as a client.
I should have left this review a long while ago. I was fighting a serious case in 2012. Its effects turned my life upside down. Mr. Pagano saved my life. The opportunities I have today would not be possible if not for him and his entire team.
Sarah jones helped me with my child support case. They kept running over me not listening to anything I said, taking more money from me until I hired Sarah. I told her my story and she took it from there and when it was time to go e I won all my cases. Just wanted to say Sarah Jones is no joke, she does a great job and I want to say thank u again Sarah.
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- Our firm provides the highest quality legal services - criminal, civil or family law - to individuals in Philadelphia, anywhere in Pennsylvania and New Jersey and any state in the country. Whether we are fighting for your liberty, your health, your family, your rights or your money, we fight to win.