Personal Injury FAQs

Q.    I don’t understand my auto insurance policy.  What does it all mean?

A.    These insurance policies are often confusing documents.  At Savoca Justice, LLC, we happily offer a free review and explanation of your auto policy.  Simply call our office and make an appointment and we will be glad to help you understand what coverage you have and what you may need, all at no cost.  This is part of how we serve our community as experienced personal injury attorneys.

Q.    What does it cost to hire Savoca Justice, LLC for a personal injury case?

A.    Our initial consultation is always free in these types of cases.  If we decide to go forward together, we will do this work on a contingent fee basis, meaning there is no fee for us unless we recover for you.  The specific contingent fee we assign to each case is based on the details of your specific case and we will explain our fee and provide it to you in writing at the conclusion of your free consultation.

Q.    Do you do house calls or hospital visits?

A.    One of the realities of representing injured people is that we often need to see them where they are in order to serve them best. We will do home and hospital visits when that is what you need.  We also do early morning, evening and weekend appointments by request.

Q.    I have been injured and I think someone else caused it by breaking the safety rules.  I am getting phone calls or letters about the incident and I don’t know what to do.  What should my first step be?

A.    Your health is your first priority.  If you have been injured, you need medical treatment.  But there are important laws about how that treatment should be paid for under the circumstances of your particular case.  You are always better off contacting experienced personal injury lawyers, like those at Savoca Justice, LLC, to understand your rights and obligations as you try to get medical treatment in order to get better.

Q.    I keep hearing about “full tort” and “limited tort” auto insurance but I don’t understand the difference. How does this impact my case? 

A.    Limited tort insurance is usually a choice you can make on your own auto insurance policy in Pennsylvania that saves you money on your premiums.  In exchange for those savings, however, your right to claim certain kinds of damages, those popularly called “pain and suffering” may be limited.  However, there are a number of important exceptions to this and insurance companies often do not want you to know that.  To find out what rights you have based on your specific case, contact us at Savoca Justice, LLC, for your free consultation with an experienced personal injury lawyer.

Q.    How long do I have to file a personal injury claim in Pennsylvania or Maryland?

A.    This is a very fact specific question.  Each state sets its own time limits for claims, sometimes known as a statute of limitations.  However, there are some very important exceptions to those general rules and if you have any question at all about whether you have enough time to file a claim, the first thing you should do is call the experienced personal injury lawyers at Savoca Justice, LLC, for your free consultation so you can better understand your rights.

Q.    What is underinsured or uninsured motorist coverage and do I  have it now and should I have it?

A.    Everyone’s insurance needs are different but generally, these coverages are a good idea as it provides you with some potential protection against the risk of being injured by an uninsured driver or someone who has an insurance policy that is not sufficient to fully compensate you for your harms and losses.  If you want to better understand your auto insurance options, please contact us at Savoca Justice, LLC, for your free consultation with an experienced personal injury lawyer.

Q.    Some people call personal injury lawyers “ambulance chasers” or worse.   Why do you do this kind of work?

A.    At Savoca Justice, LLC, we like to think of ourselves as “ambulance stoppers.”  In other words, these injury cases happen when somebody breaks the safety rules in our community and then hurts another person.  We seek to hold that rule breaker accountable for the mistake they made and the harm they caused.  When we succeed, we believe this makes everyone more careful and mindful of the safety rules in our community.  This makes us all safer and stops the ambulances.