Auto insurance guide

A GUIDE TO BUYING AUTOMOBILE INSURANCE
IN THE STATE OF PENNSYLVANIA
Introduction by: Attorney, Gary P Heslin
Something I have learned over 30 years of practicing automobile insurance law is that
most people don't understand the ins and outs automobile insurance. How can
they? Automobile insurance laws and policies are large confusing masses of regulations and
documents which are constantly changing. What applies this year may not be valid the
following 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 will
be covered. Sadly, I’m usually the bearer of bad news and have to explain to them that "full
coverage" means the minimum amount of insurance that you need to drive a car in the State of
Pennsylvania. If that is all of the insurance they have with their policy, their loss may not be
covered.
To help you better understand Pennsylvania Automobile Insurance Law, my law firm has
prepared this guide. We hope this will assist you in making decisions on what type of
automobile 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 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 and your family. I understand that you may not have the time or desire to read every page of
this 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

Overview of Pennsylvania Automobile Insurance Coverage
Pennsylvania Automobile Insurance laws are confusing laws that directly affect
everybody that owns a car and drives in the state. It requires you to make decisions and
choices about your automobile insurance coverage that could have a tremendous impact on
you 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 you
against financial loss. If you have an accident, automobile insurance policies contain a
variety of different coverages that can be purchased depending on your needs and
wants. You agree to pay the premium, and in return, the insurance company agrees to pay
for certain expenses that are defined in your policy. Drivers must purchase and maintain
automobile insurance in order to legally drive in Pennsylvania. A lapse in insurance
coverage may result in the suspension of your vehicle registration privileges for three
months, unless the lapse of insurance was for a period of less than 30 days and the owner
proves to the Pennsylvania Dept. of Transportation that the vehicle is not operated during
the short lapse in coverage. If you are stopped for a moving violation and it is determined
that you are operating a vehicle without insurance, you could face the following penalties
and expenses:
 A minimum of a $300 fine for driving uninsured
 A three-month suspension of your vehicle registration
 A three-month suspension of your driver's license
 Restoration fees to restore your vehicle registration
 Restoration fees to restore your driver's license
 Vehicle impoundment

A Warning About "Full Coverage"
I can't tell you how many times over the years that victims of auto accidents have told
me that their losses should have been covered because they have full coverage.
Unfortunately, that's not true. Full coverage is a term that is often used by insurance agents
to mean the minimum required coverage to legally drive a car in the state of
Pennsylvania. As explained in this guide, full coverage is not good coverage. Do not be
fooled by this term. We recommend you review our guidelines before deciding.
Pennsylvania's Required Coverage
When you purchase automobile insurance for your car, there are certain coverages
that are required and others are optional. The required coverages are:
 Medical Benefits- This Pays medical bills for you and others who are covered by your
policy, regardless of fault. The minimum limit is $5000 of coverage. Higher limits
are available.
 Bodily Injury Liability- If you injure someone in a car accident, this coverage pays for
any medical bills not paid by their own insurance, compensation for their pain and
suffering, compensation for lost wages, and any other damages for which you may be
found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to
one person, while the $30,000 represents the total available for one accident. Higher
limits are available.
 Property Damage Liability- if you damage someone's property in an accident and you
are at fault, this coverage pays for that damage. The minimum limit is $5000
coverage. Higher limits are available. *Some companies offer a single limit of $35,000,
which meets the bodily injury liability and property damage minimum requirements.

Pennsylvania's Optional Coverage
In addition, private passenger automobile insurance policies offer a variety of
optional coverages that can be purchased. These include:
 Uninsured Motorist (UM) — this coverage applies to you, your family and your
passengers for bodily injury if you are hit by an at-fault uninsured motorist. This
does not cover damage to property.
 Underinsured Motorist (UIM) — this coverage applies to you, your family and your
passengers for bodily injury if you are hit by an at-fault motorist who does not have
enough 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 of
uninsured or underinsured motorist coverage by the number of vehicles on your
policy or to receive uninsured or underinsured motorist coverage from more than
one policy under which you are insured. It costs extra to stack uninsured or
underinsured motorist coverage.
 Funeral Benefit — this coverage pays, up to a certain amount, money for funeral
expenses 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 injuries
sustained 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. Under
Pennsylvania law, the insurance company applies a $500 deductible unless you
request a lower amount. Generally speaking, the higher your deductible, the lower
your premium.
 Comprehensive — generally, this pays for theft or damage to your car from hazards
including fire, flood, vandalism, or striking an animal. Most banks or lenders require

you to buy this coverage to receive a car loan. There are various levels of deductible
that may be purchased.
 Extraordinary Medical Benefits — this coverage pays for medical and rehabilitation
expenses 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 an
insured if the bodily injury from a motor vehicle accident results in death within 24
months of the date of the accident.
 Rental reimbursement coverage — this pays for an individual’s expenses, up to the
limit on their policy, to rent a vehicle if they have a covered comprehensive or
collision loss.
 Towing coverage — this reimburses an individual, up to the limit on their policy, for
towing and labor costs for a covered disabled vehicle. This coverage is usually only
available if comprehensive and collision is carried on the vehicle.
 Gap Coverage – this pays the difference between what the insurance company pays
for a totaled vehicle and the balance of the vehicle loan or lease contract. This
coverage is usually only available when an individual is purchasing or leasing a new
vehicle.

HESLIN LAW FIRM INSURANCE COVERAGE RECOMMENDATIONS
Full Tort vs. Limited Tort
Required minimum: Limited Tort
Recommended Minimum: Full Tort
Full Tort: You have "purchased" the right to assert a claim for any damages you
are legally entitled to claim from an automobile accident. I say "purchased" because you
have to pay extra to assert this right. In my experience, it's not that much more to purchase
Full Tort than it is to purchase Limited Tort. It's your decision. You can find out the
difference in your monthly or yearly premium, and decide whether you want Full Tort or
Limited Tort. I recommend Full Tort.
If you have Full Tort, you have an unlimited right to seek compensation for pain and
suffering, 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 to
sue 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 seek
compensation for pain and suffering, embarrassment, loss of enjoyment of life and other
"non-economic damages.” Because most people are unfamiliar with automobile insurance
terms, they don't really understand what Limited Tort means. They choose it because it's
going to save some money on their automobile insurance premiums. The typical scenario:
you're talking to your insurance agent and he/she tells you they have your insurance policy
ready and you need to sign some papers, one of the papers says you are agreeing to take
Limited Tort. In your haste to sign the many papers the insurance agent puts in front of
you, you may not even notice the exact document. Often, if you ask what that means, the

insurance agent tells you that you are still getting "full coverage" but at a cheaper rate,
you're basically rushed into taking Limited Tort without fully understanding the other
options that you have. You have just given up some of your rights and don't even realize it
until 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 certain
circumstances:
1. If you suffer a "serious injury" you maintain your full tort rights. Serious
injury is defined as death, serious disfigurement, or serious impairment of a bodily
function. The first two exceptions are basically self-explanatory. The third exception,
serious impairment of a bodily function, can be a problem. The Pennsylvania Courts have
been making decisions for over 30 years about what is meant by a serious impairment of a
bodily function. These decisions are all over the place and in my opinion, can result in a
serious 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 the
person did not have a serious impairment of a bodily function and dismissed their case. The
insurance carriers all know about these cases, which will make them less likely to settle a
case. They will drag you through the Court system for as long as they can, and hope that
they will have to pay you little or nothing.
I recommend that for any automobile accident case involving an injury, you should
consult with an attorney who has a lot of experience in, and concentrates his/her law
practice on automobile accident law. An attorney with decades of experience will give you
the best chance of recovering in a limited tort case.

2. The person who is responsible for the accident is convicted of, or pleads guilty to
or accepts Accelerated Rehabilitative Disposition to driving under the influence of alcohol
or a controlled substance. Remember, simply being charged is not enough. Even if you
think the other person is drunk, if the police do not charge and convict, this exception does
not apply.
3. The person who is responsible for the accident is driving a vehicle that is
registered in another state. It doesn't matter if the person is from another state or has a
driver’s license from another state. They must be driving a vehicle that is registered/has a
license plate from another state. This issue arises in tractor-trailer accidents. If the trailer is
registered in another state and the tractor is registered in Pennsylvania, insurance
companies 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. This
mostly 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 and
argue if you get out of your car and start walking and get hit by a car that you are not a
pedestrian, but that you are "vehicle oriented" and that limited tort should apply.
6. The person responsible for the accident is not insured. This really doesn't help a
lot unless you have uninsured motorist coverage, since you are probably not going to be able
to collect anything from the person with no insurance anyway. Also, insurance companies

may argue that while you have full tort rights against the uninsured driver, you are still
considered limited tort as it applies to them.
7. The person who was injured is claiming that their injuries stem from a defective
product in the car, such as a defective airbag.
Again, you can see that even after reviewing these materials, that the issues involving
Limited Tort vs. Full Tort are complicated and confusing. That is why if you suffer an injury
in an automobile accident, you should always consult with an attorney with years of
experience who concentrates his/her practice in automobile accident law.
Bodily Injury Liability Coverage
Required minimum: $15,000 per person/$30,000 per occurrence
Recommended minimum: $100,000 per person/$300,000 per occurrence
This coverage pays the person/persons that you are responsible for injuring/killing
in an accident. It would cover you and generally covers anyone else that you give
permission to drive your car. We recommend that you carry more than the required
minimum for a couple of reasons:
1. If you seriously injure or kill a person or persons in an automobile accident, it's
obvious that $15,000 will not be enough to pay any one person and $30,000 will not be
enough to pay for several people. However, your insurance company does not have to pay
any 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 sued
and having a judgment against you for a lot more than the money your insurance company

is going to pay. A judgment against you may result in loss of your house or personal
property, attachment of your bank account, ruining your credit, or a loss of your driver's
license. The higher your coverage limits, the more protection you have.
2. The second reason we recommend higher limits is the added protection for you
and your family. This will be discussed further in the section on uninsured and
underinsured motorist coverage. Basically, we want you to have as much
uninsured/underinsured motorist coverage as you can afford. However, your
uninsured/underinsured motorist coverage CANNOT be more than the limits you select for
your bodily injury liability coverage.
Property Damage Liability Coverage
Required minimum: $5000
Recommended minimum: $25,000
This coverage pays for the damage you cause to the property of another person. Just
as with bodily injury liability coverage, the more coverage you have, the more protection you
have. What if you rear end a new Mercedes at a high rate of speed and knock the Mercedes
into a new Lexus, totaling both cars. There is no chance $5000 worth of coverage will pay
for that type of claim. To be honest, neither will $25,000 worth of coverage. However, with
the higher coverage limits, you can often get the car owner or insurance company to accept
the higher limits as payment in full, rather than having to endure a lengthy lawsuit.

Medical Expense Benefits
Required minimum: $5000
Recommended minimum: $10,000 (or as much as you can afford)
Pennsylvania law requires that if you or a family member that resides with you is
injured in a car accident, that your automobile insurance is the first source of payment for
your medical bills. Over the years, I have found that most people are a bit confused by
this. There have two concerns: 1. If I am not responsible for a car accident, why should my
insurance have to pay my medical bills? 2. If my car insurance pays my medical bills, will
my premiums go up? The short answer is this. Your auto insurance has to pay your medical
bills because that is the law in Pennsylvania. And as long as you are not responsible for the
accident, your insurance rates cannot go up. As far as the recommended coverage, the more
you can afford the better off you will be, particularly if you do not have health
insurance. Considering the cost of healthcare, including the potential cost of hospital
treatment, surgery, MRIs, and other medical services, $5000 is not going to go very
far. Keep in mind, you are the one that will ultimately be responsible for any unpaid
medical bills. Hopefully, there will be some source of payment beyond the Medical Expense
Benefit of your automobile insurance policy, such as health insurance, or making a claim
against the insurance of the person who caused the accident. However, that's not always
possible.
*Note about health insurance: Automobile insurance is the first and required source of
payments for any medical bills in an automobile accident. Medical/health insurance is the
second source of payments. If and when you exhaust the limits of your automobile
insurance coverage, your healthcare providers can start billing your medical/health
insurance. As long as the proper procedures are followed, your medical/health insurance
will be responsible for paying your bills, per the terms of your insurance coverage. It is

important to note that your medical bills in an automobile accident case must first be
submitted to your automobile insurance carrier, and then to your health insurance (if you
have health insurance). Failure to submit the bills in a proper and timely fashion may result
in you becoming personally responsible for the bills.
Income Loss Benefits:
Required minimum: not required
Recommended minimum: $1000 a month/$5000 total
If you cannot work as a result of an automobile accident, and you have income loss
benefits coverage, your insurance company will pay you 80% of your lost wages up to the
limits 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. Let's say you earn $2000 a
month and have the recommended minimum coverage of $1000 a month/$5000 total. If
you are out of work for six months your automobile insurance will pay you 80% of your
wages up to your coverage limits, which means they will pay you $1000 a month. They will
pay you $1000 a month up to the total amount of your coverage of $5000. Therefore, you
would get a check for $1000 a month for five consecutive months, which is the limit of your
coverage.

Uninsured Motorist Coverage:
Recommended minimum: $100,000 per person/$300,000 per accident
This, and underinsured motorist coverage, are two of the most important coverages
you can have for you and your family. These are the coverages that I often write and lecture
about. This coverage protects you if you are injured by someone who is driving without
insurance. Let's say you were seriously injured in a car accident. The driver that hit you has
no insurance, is under the influence of drugs, and had escaped from jail. Right after the
accident, he is going back to jail. He has no assets. He has no money. He has no prospects
of ever acquiring any money or assets. How are you going to be compensated? If you don't
have uninsured motorist coverage, you are NOT. If you do have uninsured motorist
coverage, you can make a claim against your insurance company up to the limits of your per
person coverage. My recommended minimum is $100,000. If your entire family is in the
car and injured, you can make a claim against your insurance company up to the limits of
your per accident coverage. My recommended minimum is $300,000. Many years ago,
uninsured motorist and underinsured motorist coverages were required coverage in the
state 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 of
coverage. 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 they
don't make enough money on this type of coverage, they don't want to sell it. I recommend
that you get as much as you can afford.

Underinsured Motorist Coverage:
Recommended minimum: $100,000 per person/$300,000 per accident
Underinsured motorist coverage is similar to uninsured motorist coverage. The
difference is it protects you when a person who causes injuries to you or your family does
not have enough insurance to compensate you or your family for the injuries. If you look
back at the required coverage to drive in the state of Pennsylvania, you will see that anyone
can drive legally as long as they carry at least $15,000 worth of coverage for any individual
they might injure in a car accident or $30,000 for everyone they might injure a car
accident. In a serious car accident with injuries, this will not come close to compensating
you or your family. If you have underinsured motorist coverage, you can make a claim
against your own insurance company for payment up to the limits of your policy. As with
uninsured 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 motorist
coverage, it is my opinion that insurance companies were not making enough and/or losing
money on selling this type of coverage, and they lobbied state lawmakers into not requiring
this coverage in Pennsylvania. Like uninsured motorist coverage, I recommend that you get
as much as you can afford.
Stacking:
Recommended minimum: We recommend that you elect stacking on all vehicles on your
insurance 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 your
family. It applies to uninsured and underinsured motorist coverage. For a very reasonable

cost, it allows you to multiply your uninsured/underinsured motorist coverage by the
number of vehicles on your insurance policy. For instance, let's say you have the
recommended minimum uninsured motorist coverage of $100,000 per person/$300,000
per accident. You have two vehicles and elect stacking. You have doubled your uninsured
motorist coverage to $200,000 per person/$600,000 per accident. Likewise, if you have
the recommended minimum uninsured motorist coverage of $100,000 per
person/$300,000 per accident, and you have three vehicles. If you elected stacking, you
have tripled your uninsured motorist coverage to $300,000 per person/$900,000 per
accident.
Funeral Benefits:
Recommended minimum: $1500
This coverage helps your family pay funeral expenses in case of a fatal accident. It's
obvious that this amount of money is not going to cover all of your funeral expenses, but it is
so cheap you might as well get it.
Collision Coverage:
Required minimum: Pennsylvania state law does not require this coverage. This coverage is
usually required by any bank/institution that is going to finance your vehicle by way of
purchase or lease.
Recommended minimum: There is really no such thing as a recommended minimum for
this type of coverage. Some of the issues involved in collision coverage are discussed below:

Collision insurance pays for damage to your car that is caused from some type of a
collision or overturning. You are asked to select a "deductible" for this coverage. This means
your 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 to
your vehicle with a $500 deductible, your insurance company will pay you $500. Depending
upon the age, condition, and value of your car, you may not need collision coverage. It may
cost you almost as much for the insurance as the insurance will ever pay if you are involved
in a collision. This is something that you should consider if you buy, or are driving an older
car. If you do get this type of coverage you have to decide what type of deductible you want
to select (the higher the deductible, the cheaper the cost of the coverage). Likewise, the
higher the deductible, the more you are going to be personally responsible for if your car is
involved in a collision.
I've heard many insurance experts suggest a $500 deductible as the best
selection. My suggestion is to ask about the cost of your insurance policy with various
deductibles and decide what is best for you. Also, keep in mind that the insurance carrier is
only obligated to pay the fair market value to fix or replace your vehicle. If you have a car
that is worth $2000, the insurance carrier will not have to pay $4000 to fix it. They would
simply 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 for
damage to your vehicle. Uninsured/underinsured motorist coverage only applies to claims
involving injuries or death.

Comprehensive Coverage:
Required minimum: Pennsylvania state law does not require this coverage. This coverage is
usually required by any bank/institution that is going to finance your vehicle by way of
purchase or lease.
Recommended minimum: As with collision coverage, there is really no such thing as a
recommended minimum for this type of coverage. The same concerns that apply to collision
coverage apply with comprehensive coverage. Comprehensive insurance pays for damage to
your car when it is stolen or damaged by flood, fire or some other peril. It does not pay for
your car when it is involved in a collision.
Miscellaneous Coverage:
The major miscellaneous coverages that are offered by auto insurance carriers in the state of
Pennsylvania are rental car coverage, towing and labor coverage, gap coverage, and
customize parts and equipment coverage.
Required minimum: none of these are required.
Recommended minimum: With the exception of GAP INSURANCE, we really don't have a
recommended minimum for these types of coverages. We recommend that you get a quote
for these coverages and decide what you can afford.
HOWEVER, we strongly recommend you obtain gap insurance when you finance or lease a
vehicle. First of all, gap insurance is cheap. Second, without gap insurance, you are taking
the risk of the possibility that if your car is totaled in an accident, after the insurance
company pays the fair market value of the car, you will still have to make payments on a

loan or a lease for a car you no longer have. Remember, as we said, the insurance company
only has to pay the fair market value of your car. Let's say you purchase a new car and
finance nearly the entire cost of the car. Once you drive the car off the lot, it is subject to
depreciation. 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 less
than you owe on it. Without gap insurance, you are going to have to pay off the loan, or
continue making payments until the loan is paid off. With gap insurance, your insurance
company 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 won't be making
payments on a car that you no longer have. The need for gap insurance can be even more
critical if you lease a car. Over my years of practice, I have seen leasing contracts where a
new car is totaled near the beginning of a three or four year lease and, the leasing/finance
company takes all the insurance money and then claims the lessor still owes them
thousands of dollars. The majority of leasers are usually misinformed about their leasing
contracts 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 strongly
recommend it.

Conclusion
Purchasing automobile insurance is an important step that should not be taken
lightly. Decisions you make at the time you purchase your automobile insurance may
have a serious financial impact upon you or your family. Hopefully, neither you nor
your loved ones will ever be involved in any sort of automobile accident, let alone a
serious one. Although, statistically the odds are against you once you get out there on
the road. You should treat the purchase of automobile insurance with the same
attention you would give while purchasing a new home. Whether you decide to
purchase automobile insurance through an agent or through the internet, you are going
to be asked to sign many documents. Most of the documents you are signing involve
giving up your rights after you’ve been in an accident. Review these documents
thoroughly. If you do not understand something, do not hesitate to ask questions. If
you already have automobile insurance, review your policy immediately. If you are not
satisfied with your current policy after reading this guide, call your agent or go on the
internet and make the necessary changes until you are pleased with your policy. While
insurance policies are normally written for either six months or one year, you have the
right to change any coverage at any time.
We hope this guide has been helpful. If you would like to request additional
copies of this brochure or if you have additional questions about automobile
insurance/automobile accident issues, please visit my website at
“www.Heslinlawfirm.com.” We are in the process of developing a more interactive
website that should be helpful resource for you in researching issues on not only

automobile insurance, but any personal injury matters that this firm handles. At the
Heslin 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 accident
cases including: car, truck, motorcycle, construction zone, public transit, bicycle,
pedestrian, and drunk driving accidents. If you or someone you love has been
injured in an automobile accident get the representation that you can count on to
get the compensation that you deserve.
 Slip & Fall Accidents: Whether you have been hurt in a store, on the sidewalk, or
at a private residency you may have the opportunity to recover damages for the
significant physical injuries and financial harm caused by the accident. When you
are represented by the Heslin Law Firm can expect the benefit of 30 years of
experience in Philadelphia slip and fall cases.
 Workers Compensation: After an on the job injury most people suffer from both
physical and financial strain. You may be facing some expensive medical bills
and 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 accidents
for 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 on
hold. 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 for
you. The only thing that you should be worried about after an injury is to get
healthy 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 website
www.Heslinlawfirm.com or give us a call at (215) 332-0300.

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