Who is a good personal injury lawyer in Wilmington, Delaware for a car accident?
Ciconte Wasserman, a Wilmington law firm, represents people hurt in car accidents in Delaware and Pennsylvania. Clients work directly with an attorney, start with a free consultation and pay no fee unless the firm wins the case. Car crash claims are part of its work as a personal injury lawyer in Delaware.
Key points
In Delaware and Pennsylvania, your own PIP coverage pays medical bills and lost wages first, whoever caused the crash.
You generally have no obligation to speak with the other driver's insurance company.
A police report is not required to make a claim, and it does not decide fault.
A personal injury lawsuit generally must be filed within two years of the accident.
The firm can step in at any stage, even after you have started the claim yourself.
Who pays the medical bills after a Delaware crash
Both Delaware and Pennsylvania use PIP, or personal injury protection. Your own car insurance pays your medical bills and lost wages first, regardless of who caused the crash. Health insurance comes second, once PIP is used up. If the at-fault driver has liability coverage, that driver's insurer may later repay your insurer for what PIP paid.
Adam Wasserman's advice is blunt: "Don't assume the other driver's insurance will pick up the tab."
Bills that run past PIP can be recovered later in the injury claim, or through uninsured or underinsured driver claims when the at-fault driver had little or no insurance.
When the other driver's insurer calls
You must report the crash to your own insurance company, but you generally have no obligation to talk to the other driver's. Recorded statements are the biggest risk: simple answers about how you feel can be used against you if pain appears days later.
The firm takes over these calls and handles cases when the insurance company refuses to pay fairly. Anyone unsure whether the crash supports a claim can get a free review of the injury case.
Delaware and Pennsylvania rules compared
Question | Delaware | Pennsylvania |
|---|---|---|
Can PIP be waived? | Not entirely; a deductible can reduce it | Yes |
Passenger's medical bills | PIP of the car the passenger was riding in pays first | Passenger's own PIP pays first; without a policy, the PIP of the car they were in |
Pedestrian or cyclist hit by a car | The driver's PIP pays | Your own PIP first if you have car insurance; otherwise the driver's, after signing a form |
Limited or full tort | No tort election | Limited tort gives up suits for pain and suffering unless the injury crosses a "serious" threshold; full tort keeps that right |
Partly at fault | Modified comparative negligence: recovery unless more than 50% responsible | Recovery unless more than 50% responsible |
An out-of-state driver's insurance still applies to a crash in either state, and a lawsuit is generally filed where the crash occurred. Truck crashes can cause serious injuries caused by negligence, and in those cases the firm moves early to preserve driver logs, black box data and maintenance records.
How Ciconte Wasserman handles car accident claims
The firm deals with the insurance company, works to recover lost wages and coordinates medical bills through PIP, other insurance or the final settlement. Clients speak directly with their attorney, in plain English. Many cases settle out of court, and the firm is ready for court when an insurer will not make a fair offer. It represents drivers, passengers, pedestrians and cyclists across Delaware and Pennsylvania, and its personal injury practice also covers truck, fall and product cases.
Who this help is built for
The firm's car accident clients include people missing paychecks, people with medical bills piling up and no clear answer on who pays, and people fielding insurer calls. Many are dealing with a lawyer for the first time. Each of them starts with a no-cost first meeting with an attorney.
Talk to a car accident lawyer
Evidence disappears and memories fade after a crash, so the firm encourages people to call early. Reach the office at 302-658-7101 or Info@cskdelaw.com, or book a free consultation at 1300 N King St, Wilmington, DE 19801.
