Auto insurance guide


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To help you better understand Pennsylvania Automobile Insurance Law, the Heslin Law Firm has prepared this guide. We hope this will assist you in making decisions on what type of automobile insurance is best suited for you and your loved ones. Keep in mind, these are only suggestions, but they are based upon dedicating my practice of over 30 years to issues involving automobile insurance law. Over the years, I've seen how a person's selection of an automobile insurance policy can have devastating effects on the financial future of that person or their family. I sincerely believe that this guide will help you choose the automobile insurance that is best for you.

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Auto insurance guide

  1. 1. A GUIDE TO BUYING AUTOMOBILE INSURANCEIN THE STATE OF PENNSYLVANIAIntroduction by: Attorney, Gary P HeslinSomething I have learned over 30 years of practicing automobile insurance law is thatmost people dont understand the ins and outs automobile insurance. How canthey? Automobile insurance laws and policies are large confusing masses of regulations anddocuments which are constantly changing. What applies this year may not be valid thefollowing year, what is compatible for you currently may not be next year.After an accident, people tell me they had "full coverage" and expect that their loss willbe covered. Sadly, I’m usually the bearer of bad news and have to explain to them that "fullcoverage" means the minimum amount of insurance that you need to drive a car in the State ofPennsylvania. If that is all of the insurance they have with their policy, their loss may not becovered.To help you better understand Pennsylvania Automobile Insurance Law, my law firm hasprepared this guide. We hope this will assist you in making decisions on what type ofautomobile insurance is best for you and your family. Keep in mind, these are only suggestions,but they are based upon dedicating my practice of over 30 years to issues involving automobileinsurance law. Over the years, Ive seen how a persons selection of an automobile insurancepolicy can have devastating effects on the financial future of that person or their family. Isincerely believe that this guide will help you choose the automobile insurance that is best foryou and your family. I understand that you may not have the time or desire to read every page ofthis guide. The following page contains a brief summary.* The National Highway Traffic Safety Administration estimates that the average American has a 30%chance of being involved in a serious automobile accident in their lifetime
  2. 2. Overview of Pennsylvania Automobile Insurance CoveragePennsylvania Automobile Insurance laws are confusing laws that directly affecteverybody that owns a car and drives in the state. It requires you to make decisions andchoices about your automobile insurance coverage that could have a tremendous impact onyou or your family if you should ever be injured in an automobile accident. Simply stated,auto insurance is a contract between you and your insurance company that protects youagainst financial loss. If you have an accident, automobile insurance policies contain avariety of different coverages that can be purchased depending on your needs andwants. You agree to pay the premium, and in return, the insurance company agrees to payfor certain expenses that are defined in your policy. Drivers must purchase and maintainautomobile insurance in order to legally drive in Pennsylvania. A lapse in insurancecoverage may result in the suspension of your vehicle registration privileges for threemonths, unless the lapse of insurance was for a period of less than 30 days and the ownerproves to the Pennsylvania Dept. of Transportation that the vehicle is not operated duringthe short lapse in coverage. If you are stopped for a moving violation and it is determinedthat you are operating a vehicle without insurance, you could face the following penaltiesand expenses: A minimum of a $300 fine for driving uninsured A three-month suspension of your vehicle registration A three-month suspension of your drivers license Restoration fees to restore your vehicle registration Restoration fees to restore your drivers license Vehicle impoundment
  3. 3. A Warning About "Full Coverage"I cant tell you how many times over the years that victims of auto accidents have toldme that their losses should have been covered because they have full coverage.Unfortunately, thats not true. Full coverage is a term that is often used by insurance agentsto mean the minimum required coverage to legally drive a car in the state ofPennsylvania. As explained in this guide, full coverage is not good coverage. Do not befooled by this term. We recommend you review our guidelines before deciding.Pennsylvanias Required CoverageWhen you purchase automobile insurance for your car, there are certain coveragesthat are required and others are optional. The required coverages are: Medical Benefits- This Pays medical bills for you and others who are covered by yourpolicy, regardless of fault. The minimum limit is $5000 of coverage. Higher limitsare available. Bodily Injury Liability- If you injure someone in a car accident, this coverage pays forany medical bills not paid by their own insurance, compensation for their pain andsuffering, compensation for lost wages, and any other damages for which you may befound liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries toone person, while the $30,000 represents the total available for one accident. Higherlimits are available. Property Damage Liability- if you damage someones property in an accident and youare at fault, this coverage pays for that damage. The minimum limit is $5000coverage. Higher limits are available. *Some companies offer a single limit of $35,000,which meets the bodily injury liability and property damage minimum requirements.
  4. 4. Pennsylvanias Optional CoverageIn addition, private passenger automobile insurance policies offer a variety ofoptional coverages that can be purchased. These include: Uninsured Motorist (UM) — this coverage applies to you, your family and yourpassengers for bodily injury if you are hit by an at-fault uninsured motorist. Thisdoes not cover damage to property. Underinsured Motorist (UIM) — this coverage applies to you, your family and yourpassengers for bodily injury if you are hit by an at-fault motorist who does not haveenough insurance to cover your claim. This does not cover damage to property. Stacking of UM or UIM — this coverage allows you to either multiply the amount ofuninsured or underinsured motorist coverage by the number of vehicles on yourpolicy or to receive uninsured or underinsured motorist coverage from more thanone policy under which you are insured. It costs extra to stack uninsured orunderinsured motorist coverage. Funeral Benefit — this coverage pays, up to a certain amount, money for funeralexpenses if you or a family member dies as a result of an auto accident. Income Loss — this coverage pays a portion of your lost wages when injuriessustained in an auto accident keep you from working. Collision — this benefit pays to repair damage to your car as a result of an accident.Most banks or lenders require you to buy this coverage to receive a car loan. UnderPennsylvania law, the insurance company applies a $500 deductible unless yourequest a lower amount. Generally speaking, the higher your deductible, the loweryour premium. Comprehensive — generally, this pays for theft or damage to your car from hazardsincluding fire, flood, vandalism, or striking an animal. Most banks or lenders require
  5. 5. you to buy this coverage to receive a car loan. There are various levels of deductiblethat may be purchased. Extraordinary Medical Benefits — this coverage pays for medical and rehabilitationexpenses that exceed $100,000. It provides a maximum of $1 million of coverage. Accidental death benefit — this is a benefit paid to the personal representative of aninsured if the bodily injury from a motor vehicle accident results in death within 24months of the date of the accident. Rental reimbursement coverage — this pays for an individual’s expenses, up to thelimit on their policy, to rent a vehicle if they have a covered comprehensive orcollision loss. Towing coverage — this reimburses an individual, up to the limit on their policy, fortowing and labor costs for a covered disabled vehicle. This coverage is usually onlyavailable if comprehensive and collision is carried on the vehicle. Gap Coverage – this pays the difference between what the insurance company paysfor a totaled vehicle and the balance of the vehicle loan or lease contract. Thiscoverage is usually only available when an individual is purchasing or leasing a newvehicle.
  6. 6. HESLIN LAW FIRM INSURANCE COVERAGE RECOMMENDATIONSFull Tort vs. Limited TortRequired minimum: Limited TortRecommended Minimum: Full TortFull Tort: You have "purchased" the right to assert a claim for any damages youare legally entitled to claim from an automobile accident. I say "purchased" because youhave to pay extra to assert this right. In my experience, its not that much more to purchaseFull Tort than it is to purchase Limited Tort. Its your decision. You can find out thedifference in your monthly or yearly premium, and decide whether you want Full Tort orLimited Tort. I recommend Full Tort.If you have Full Tort, you have an unlimited right to seek compensation for pain andsuffering, embarrassment, loss of enjoyment of life, and what are described as "non-economic damages."Whether you have selected Full Tort or Limited Tort, you always retain the right tosue for "out-of-pocket" losses, such as damage to your car, towing charges, lost wages,excess medical bills, etc.Limited Tort: With some exceptions, you have given up your right to seekcompensation for pain and suffering, embarrassment, loss of enjoyment of life and other"non-economic damages.” Because most people are unfamiliar with automobile insuranceterms, they dont really understand what Limited Tort means. They choose it because itsgoing to save some money on their automobile insurance premiums. The typical scenario:youre talking to your insurance agent and he/she tells you they have your insurance policyready and you need to sign some papers, one of the papers says you are agreeing to takeLimited Tort. In your haste to sign the many papers the insurance agent puts in front ofyou, you may not even notice the exact document. Often, if you ask what that means, the
  7. 7. insurance agent tells you that you are still getting "full coverage" but at a cheaper rate,youre basically rushed into taking Limited Tort without fully understanding the otheroptions that you have. You have just given up some of your rights and dont even realize ituntil it is too late to do anything about it.Exceptions to Limited Tort:Even if you sign for Limited Tort, you still have your Full Tort rights under certaincircumstances:1. If you suffer a "serious injury" you maintain your full tort rights. Seriousinjury is defined as death, serious disfigurement, or serious impairment of a bodilyfunction. The first two exceptions are basically self-explanatory. The third exception,serious impairment of a bodily function, can be a problem. The Pennsylvania Courts havebeen making decisions for over 30 years about what is meant by a serious impairment of abodily function. These decisions are all over the place and in my opinion, can result in aserious miscarriage of justice. There are cases of people with fractured ribs, broken arms,broken jaws, brain damage, or herniated discs where the Courts have decided that theperson did not have a serious impairment of a bodily function and dismissed their case. Theinsurance carriers all know about these cases, which will make them less likely to settle acase. They will drag you through the Court system for as long as they can, and hope thatthey will have to pay you little or nothing.I recommend that for any automobile accident case involving an injury, you shouldconsult with an attorney who has a lot of experience in, and concentrates his/her lawpractice on automobile accident law. An attorney with decades of experience will give youthe best chance of recovering in a limited tort case.
  8. 8. 2. The person who is responsible for the accident is convicted of, or pleads guilty toor accepts Accelerated Rehabilitative Disposition to driving under the influence of alcoholor a controlled substance. Remember, simply being charged is not enough. Even if youthink the other person is drunk, if the police do not charge and convict, this exception doesnot apply.3. The person who is responsible for the accident is driving a vehicle that isregistered in another state. It doesnt matter if the person is from another state or has adriver’s license from another state. They must be driving a vehicle that is registered/has alicense plate from another state. This issue arises in tractor-trailer accidents. If the trailer isregistered in another state and the tractor is registered in Pennsylvania, insurancecompanies argue that the "vehicle" is registered in Pennsylvania, and limited tort applies.4. The person who is injured is a driver or passenger in a commercial vehicle. Thismostly would apply to a taxicab or bus, but can be extended to work vehicles, rental cars,and other vehicles.5. The person who was injured is a pedestrian. Insurance companies will try andargue if you get out of your car and start walking and get hit by a car that you are not apedestrian, but that you are "vehicle oriented" and that limited tort should apply.6. The person responsible for the accident is not insured. This really doesnt help alot unless you have uninsured motorist coverage, since you are probably not going to be ableto collect anything from the person with no insurance anyway. Also, insurance companies
  9. 9. may argue that while you have full tort rights against the uninsured driver, you are stillconsidered limited tort as it applies to them.7. The person who was injured is claiming that their injuries stem from a defectiveproduct in the car, such as a defective airbag.Again, you can see that even after reviewing these materials, that the issues involvingLimited Tort vs. Full Tort are complicated and confusing. That is why if you suffer an injuryin an automobile accident, you should always consult with an attorney with years ofexperience who concentrates his/her practice in automobile accident law.Bodily Injury Liability CoverageRequired minimum: $15,000 per person/$30,000 per occurrenceRecommended minimum: $100,000 per person/$300,000 per occurrenceThis coverage pays the person/persons that you are responsible for injuring/killingin an accident. It would cover you and generally covers anyone else that you givepermission to drive your car. We recommend that you carry more than the requiredminimum for a couple of reasons:1. If you seriously injure or kill a person or persons in an automobile accident, itsobvious that $15,000 will not be enough to pay any one person and $30,000 will not beenough to pay for several people. However, your insurance company does not have to payany more than $15,000 for any one person that you seriously injure or kill or more than$30,000 for everyone that you seriously injure or kill. This may result in you being suedand having a judgment against you for a lot more than the money your insurance company
  10. 10. is going to pay. A judgment against you may result in loss of your house or personalproperty, attachment of your bank account, ruining your credit, or a loss of your driverslicense. The higher your coverage limits, the more protection you have.2. The second reason we recommend higher limits is the added protection for youand your family. This will be discussed further in the section on uninsured andunderinsured motorist coverage. Basically, we want you to have as muchuninsured/underinsured motorist coverage as you can afford. However, youruninsured/underinsured motorist coverage CANNOT be more than the limits you select foryour bodily injury liability coverage.Property Damage Liability CoverageRequired minimum: $5000Recommended minimum: $25,000This coverage pays for the damage you cause to the property of another person. Justas with bodily injury liability coverage, the more coverage you have, the more protection youhave. What if you rear end a new Mercedes at a high rate of speed and knock the Mercedesinto a new Lexus, totaling both cars. There is no chance $5000 worth of coverage will payfor that type of claim. To be honest, neither will $25,000 worth of coverage. However, withthe higher coverage limits, you can often get the car owner or insurance company to acceptthe higher limits as payment in full, rather than having to endure a lengthy lawsuit.
  11. 11. Medical Expense BenefitsRequired minimum: $5000Recommended minimum: $10,000 (or as much as you can afford)Pennsylvania law requires that if you or a family member that resides with you isinjured in a car accident, that your automobile insurance is the first source of payment foryour medical bills. Over the years, I have found that most people are a bit confused bythis. There have two concerns: 1. If I am not responsible for a car accident, why should myinsurance have to pay my medical bills? 2. If my car insurance pays my medical bills, willmy premiums go up? The short answer is this. Your auto insurance has to pay your medicalbills because that is the law in Pennsylvania. And as long as you are not responsible for theaccident, your insurance rates cannot go up. As far as the recommended coverage, the moreyou can afford the better off you will be, particularly if you do not have healthinsurance. Considering the cost of healthcare, including the potential cost of hospitaltreatment, surgery, MRIs, and other medical services, $5000 is not going to go veryfar. Keep in mind, you are the one that will ultimately be responsible for any unpaidmedical bills. Hopefully, there will be some source of payment beyond the Medical ExpenseBenefit of your automobile insurance policy, such as health insurance, or making a claimagainst the insurance of the person who caused the accident. However, thats not alwayspossible.*Note about health insurance: Automobile insurance is the first and required source ofpayments for any medical bills in an automobile accident. Medical/health insurance is thesecond source of payments. If and when you exhaust the limits of your automobileinsurance coverage, your healthcare providers can start billing your medical/healthinsurance. As long as the proper procedures are followed, your medical/health insurancewill be responsible for paying your bills, per the terms of your insurance coverage. It is
  12. 12. important to note that your medical bills in an automobile accident case must first besubmitted to your automobile insurance carrier, and then to your health insurance (if youhave health insurance). Failure to submit the bills in a proper and timely fashion may resultin you becoming personally responsible for the bills.Income Loss Benefits:Required minimum: not requiredRecommended minimum: $1000 a month/$5000 totalIf you cannot work as a result of an automobile accident, and you have income lossbenefits coverage, your insurance company will pay you 80% of your lost wages up to thelimits of your coverage. Generally speaking, the most coverage you can get in this area is$2500 a month/$50,000 total. Let me give you an example. Lets say you earn $2000 amonth and have the recommended minimum coverage of $1000 a month/$5000 total. Ifyou are out of work for six months your automobile insurance will pay you 80% of yourwages up to your coverage limits, which means they will pay you $1000 a month. They willpay you $1000 a month up to the total amount of your coverage of $5000. Therefore, youwould get a check for $1000 a month for five consecutive months, which is the limit of yourcoverage.
  13. 13. Uninsured Motorist Coverage:Required minimum: not requiredRecommended minimum: $100,000 per person/$300,000 per accidentThis, and underinsured motorist coverage, are two of the most important coveragesyou can have for you and your family. These are the coverages that I often write and lectureabout. This coverage protects you if you are injured by someone who is driving withoutinsurance. Lets say you were seriously injured in a car accident. The driver that hit you hasno insurance, is under the influence of drugs, and had escaped from jail. Right after theaccident, he is going back to jail. He has no assets. He has no money. He has no prospectsof ever acquiring any money or assets. How are you going to be compensated? If you donthave uninsured motorist coverage, you are NOT. If you do have uninsured motoristcoverage, you can make a claim against your insurance company up to the limits of your perperson coverage. My recommended minimum is $100,000. If your entire family is in thecar and injured, you can make a claim against your insurance company up to the limits ofyour per accident coverage. My recommended minimum is $300,000. Many years ago,uninsured motorist and underinsured motorist coverages were required coverage in thestate of Pennsylvania. The cost of this type of insurance is fairly reasonable. In my opinion,insurance companies were not making enough and/or losing money on selling this type ofcoverage. They lobbied state lawmakers into not requiring this coverage in Pennsylvania.While insurance carriers have to "offer" this type of insurance, it is not required. Since theydont make enough money on this type of coverage, they dont want to sell it. I recommendthat you get as much as you can afford.
  14. 14. Underinsured Motorist Coverage:Required minimum: not requiredRecommended minimum: $100,000 per person/$300,000 per accidentUnderinsured motorist coverage is similar to uninsured motorist coverage. Thedifference is it protects you when a person who causes injuries to you or your family doesnot have enough insurance to compensate you or your family for the injuries. If you lookback at the required coverage to drive in the state of Pennsylvania, you will see that anyonecan drive legally as long as they carry at least $15,000 worth of coverage for any individualthey might injure in a car accident or $30,000 for everyone they might injure a caraccident. In a serious car accident with injuries, this will not come close to compensatingyou or your family. If you have underinsured motorist coverage, you can make a claimagainst your own insurance company for payment up to the limits of your policy. As withuninsured motorist coverage, insurance companies must offer you this type of insurance,but it is not required, and you do not have to take it. Also, as with uninsured motoristcoverage, it is my opinion that insurance companies were not making enough and/or losingmoney on selling this type of coverage, and they lobbied state lawmakers into not requiringthis coverage in Pennsylvania. Like uninsured motorist coverage, I recommend that you getas much as you can afford.Stacking:Required minimum: not requiredRecommended minimum: We recommend that you elect stacking on all vehicles on yourinsurance policy up to the limits of your Uninsured and Underinsured Motorist Coverage.Stacking is the cheapest way to maximize insurance coverage that protects you and yourfamily. It applies to uninsured and underinsured motorist coverage. For a very reasonable
  15. 15. cost, it allows you to multiply your uninsured/underinsured motorist coverage by thenumber of vehicles on your insurance policy. For instance, lets say you have therecommended minimum uninsured motorist coverage of $100,000 per person/$300,000per accident. You have two vehicles and elect stacking. You have doubled your uninsuredmotorist coverage to $200,000 per person/$600,000 per accident. Likewise, if you havethe recommended minimum uninsured motorist coverage of $100,000 perperson/$300,000 per accident, and you have three vehicles. If you elected stacking, youhave tripled your uninsured motorist coverage to $300,000 per person/$900,000 peraccident.Funeral Benefits:Required minimum: not requiredRecommended minimum: $1500This coverage helps your family pay funeral expenses in case of a fatal accident. Itsobvious that this amount of money is not going to cover all of your funeral expenses, but it isso cheap you might as well get it.Collision Coverage:Required minimum: Pennsylvania state law does not require this coverage. This coverage isusually required by any bank/institution that is going to finance your vehicle by way ofpurchase or lease.Recommended minimum: There is really no such thing as a recommended minimum forthis type of coverage. Some of the issues involved in collision coverage are discussed below:
  16. 16. Collision insurance pays for damage to your car that is caused from some type of acollision or overturning. You are asked to select a "deductible" for this coverage. This meansyour insurance company will pay the fair market value of fixing or replacing your vehicle,minus the deductible that you select. For instance, if you have $1000 worth of damage toyour vehicle with a $500 deductible, your insurance company will pay you $500. Dependingupon the age, condition, and value of your car, you may not need collision coverage. It maycost you almost as much for the insurance as the insurance will ever pay if you are involvedin a collision. This is something that you should consider if you buy, or are driving an oldercar. If you do get this type of coverage you have to decide what type of deductible you wantto select (the higher the deductible, the cheaper the cost of the coverage). Likewise, thehigher the deductible, the more you are going to be personally responsible for if your car isinvolved in a collision.Ive heard many insurance experts suggest a $500 deductible as the bestselection. My suggestion is to ask about the cost of your insurance policy with variousdeductibles and decide what is best for you. Also, keep in mind that the insurance carrier isonly obligated to pay the fair market value to fix or replace your vehicle. If you have a carthat is worth $2000, the insurance carrier will not have to pay $4000 to fix it. They wouldsimply be responsible for giving you the fair market value of $2000 minus your deductible.You should also know that uninsured/underinsured motorist coverage does not pay fordamage to your vehicle. Uninsured/underinsured motorist coverage only applies to claimsinvolving injuries or death.
  17. 17. Comprehensive Coverage:Required minimum: Pennsylvania state law does not require this coverage. This coverage isusually required by any bank/institution that is going to finance your vehicle by way ofpurchase or lease.Recommended minimum: As with collision coverage, there is really no such thing as arecommended minimum for this type of coverage. The same concerns that apply to collisioncoverage apply with comprehensive coverage. Comprehensive insurance pays for damage toyour car when it is stolen or damaged by flood, fire or some other peril. It does not pay foryour car when it is involved in a collision.Miscellaneous Coverage:The major miscellaneous coverages that are offered by auto insurance carriers in the state ofPennsylvania are rental car coverage, towing and labor coverage, gap coverage, andcustomize parts and equipment coverage.Required minimum: none of these are required.Recommended minimum: With the exception of GAP INSURANCE, we really dont have arecommended minimum for these types of coverages. We recommend that you get a quotefor these coverages and decide what you can afford.HOWEVER, we strongly recommend you obtain gap insurance when you finance or lease avehicle. First of all, gap insurance is cheap. Second, without gap insurance, you are takingthe risk of the possibility that if your car is totaled in an accident, after the insurancecompany pays the fair market value of the car, you will still have to make payments on a
  18. 18. loan or a lease for a car you no longer have. Remember, as we said, the insurance companyonly has to pay the fair market value of your car. Lets say you purchase a new car andfinance nearly the entire cost of the car. Once you drive the car off the lot, it is subject todepreciation. What is considered a new car to you is still a used car to the rest of the world.If you get in an accident and your car is totaled, the fair market value of your car may be lessthan you owe on it. Without gap insurance, you are going to have to pay off the loan, orcontinue making payments until the loan is paid off. With gap insurance, your insurancecompany will pay the difference between the value of your car and the amount you owe.Obviously neither situation is pleasant, but at least with gap insurance you wont be makingpayments on a car that you no longer have. The need for gap insurance can be even morecritical if you lease a car. Over my years of practice, I have seen leasing contracts where anew car is totaled near the beginning of a three or four year lease and, the leasing/financecompany takes all the insurance money and then claims the lessor still owes themthousands of dollars. The majority of leasers are usually misinformed about their leasingcontracts since they are very rarely read in depth like they should be before they are signed.Unfortunately, if you signed that contract you are responsible for the terms of the contract.Again, this situation can be avoided by the purchase of gap insurance and we stronglyrecommend it.
  19. 19. ConclusionPurchasing automobile insurance is an important step that should not be takenlightly. Decisions you make at the time you purchase your automobile insurance mayhave a serious financial impact upon you or your family. Hopefully, neither you noryour loved ones will ever be involved in any sort of automobile accident, let alone aserious one. Although, statistically the odds are against you once you get out there onthe road. You should treat the purchase of automobile insurance with the sameattention you would give while purchasing a new home. Whether you decide topurchase automobile insurance through an agent or through the internet, you are goingto be asked to sign many documents. Most of the documents you are signing involvegiving up your rights after you’ve been in an accident. Review these documentsthoroughly. If you do not understand something, do not hesitate to ask questions. Ifyou already have automobile insurance, review your policy immediately. If you are notsatisfied with your current policy after reading this guide, call your agent or go on theinternet and make the necessary changes until you are pleased with your policy. Whileinsurance policies are normally written for either six months or one year, you have theright to change any coverage at any time.We hope this guide has been helpful. If you would like to request additionalcopies of this brochure or if you have additional questions about automobileinsurance/automobile accident issues, please visit my website at“” We are in the process of developing a more interactivewebsite that should be helpful resource for you in researching issues on not only
  20. 20. automobile insurance, but any personal injury matters that this firm handles. At theHeslin Law Fir we handle any of legal needs in the following practice areas: Auto Accident: At the Heslin Law Firm we specialize in various types of accidentcases including: car, truck, motorcycle, construction zone, public transit, bicycle,pedestrian, and drunk driving accidents. If you or someone you love has beeninjured in an automobile accident get the representation that you can count on toget the compensation that you deserve. Slip & Fall Accidents: Whether you have been hurt in a store, on the sidewalk, orat a private residency you may have the opportunity to recover damages for thesignificant physical injuries and financial harm caused by the accident. When youare represented by the Heslin Law Firm can expect the benefit of 30 years ofexperience in Philadelphia slip and fall cases. Workers Compensation: After an on the job injury most people suffer from bothphysical and financial strain. You may be facing some expensive medical billsand are unable to work due to the high amount of physical pain from the injury.The Heslin Law Firm has been representing those injured in on the job accidentsfor more than 30 years. Let us help you get the compensation that you deserve. Personal Injury: After a personal injury all of your affairs are temporarily put onhold. We are here to help you get your life back to normal after a serious injury.We will help you deal with insurance companies and communicate with them foryou. The only thing that you should be worried about after an injury is to gethealthy again, let us handle the stressful details of your personal injury case.*If you believe that you have a case that falls under one of our practice areas visit our or give us a call at (215) 332-0300.