Car Insurance Lawyer for Philadelphia Car Insurance Claims

Car Insurance LawyersIn an instant, car accidents can change your life. Some accident victims have serious injuries and are unable to work. And yet, they still have a family to support and bills to pay. Fox Law car insurance lawyer John Fox is a former defense attorneys who know how to negotiate with insurance companies. Fox Law knows how insurance companies think, how they play their hand of cards, with which insurance companies we can probably reach a settlement agreement, and which ones we will probably have to file suit. We use our defense experience to help our clients obtain the most favorable outcome possible for your car accident injury claim.

Car Insurance Lawyer and Trial Attorney.

Insurance companies hire trial lawyers. They are hoping that you don't.

When dealing with an insurance company, you need a car insurance lawyer who is also a true trial lawyer. We are car insurance lawyers and trial lawyers, prepared to take your case to trial, to get you the best result for your injury. The insurance company is not on your side. They are in business to make money, and it is the insurance adjuster's job to give you as little money as possible. If we are dealing with an unreasonable insurance company, we will take your case to trial to get you the compensation you deserve.

What insurance companies have the best Car Insurance Lawyer satisfaction?

We rated the largest insurance companies from best to worst, based on our experience in their fairness to settle your claim with a car insurance lawyer.

CAVEAT: ALL insurance companies will be difficult at the claim stage if they feel the claim is defensible.

Travelers is more than 160 years old, making it one of the oldest insurance companies operating today. In fact, Travelers issued its first auto insurance policy in 1897, before the Ford Model-T was invented. The company has over 30,000 employees and 13,500 independent agents and brokers in multiple countries—including the United States, Canada, and Brazil.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 5 out of 5  Travelers Insurance is the fairest company on our list. You rarely need to file suit with Travelers Insurance.

2. Farmers
Farmers began as an insurance company providing coverage to rural farmers’ vehicles. Since then it has evolved to become the seventh largest insurance company in the country. It’s hard to find an insurance company that offers more products than Farmers. It offers basic auto insurance, pet insurance, and even investment products among a variety of other insurance products. Farmers employs nearly 21,000 people, which allow it to underwrite over 19 million policies across 50 states.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 5 out of 5  Farmers Insurance is very fair at the claim stage. You rarely have to file suit on a Farmer's claim.


GEICO, well known for its animated gecko, has served as an underwriter to more than 16 million auto policies, which insure more than 24 million vehicles. The company’s size allows it to employ more than 36,000 people across nine regional offices, three service centers and three claims centers. GEICO’s original customer base consisted of U.S. government employees and military personnel. Today, the insurance company’s customer base has expanded to include people in the private sector.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 4 out of 5  GEICO is pleasant to deal with and rarely do you not get a case settled with them.

USAA was founded by 25 Army officers who decided to insure each other’s vehicles in 1922. Today, the company serves millions of members associated with the U.S. military, including:

Current Military Members
Former Military Members
Family of Military Members
Cadets or Midshipmen
USAA is headquartered in San Antonio, Texas. The corporate campus’ length extends three-quarters of a mile. USAA is the largest private company located in San Antonio.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 4 out of 5  USAA is one of the fairer companies to deal with at the settlement stage.

5. Nationwide
Nationwide, a Fortune 100 company, paid over $18 billion in claims and other benefits to members in 2017. The company does business across several verticals—including financial services, commercial lines and personal lines—in all 50 U.S. states. Nationwide has contributed over $430 million to nonprofit organizations since 2000.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 3-1/2 out of 5 They're above average in terms of fairness at the settlement stage. Usually you can get the case settled with Nationwide.

6. Allstate
Established in 1931, Allstate is the second largest publicly traded property and casualty insurance company in America. Similar to State Farm, Allstate has a roster of local agents ready to serve your needs. The company currently employs over 79,000 people. Esurance, a subsidiary of Allstate, operates in the same space. According to Allstate, the Esurance brand is targeted towards self-directed and brand-sensitive customers while Allstate is geared for customers who enjoy local and personal service.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 3 out of 5  Allstate is in the middle of the pack. They have improved in fairness over the last 10 years.

7. Liberty Mutual
Liberty Mutual is one of the top insurance companies in the U.S. and has been around for over 100 years. Liberty Mutual also has large international presence—with operations in 17 countries. The international companies sell property and casualty, health and life insurance policies. The auto insurance industry is a large part of Liberty Mutual’s business, representing 36% of their net written premium from insurance as of their latest annual report.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 2 out of 5  Liberty Mutual has become increasingly more difficult to deal with over the last 5 years. You're probably going to have to file suit with Liberty Mutual.

6. State Farm
State Farm is a great auto insurance company for anyone who wants a local agent and a personalized insurance experience. However, State Farm doesn’t typically offer drivers the most competitive rates. If you want or need a curated experience, and are willing to pay for it, State Farm is a great choice.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage Rating 1-1/2 out of 5.  State Farm is not fair at the claim stage. They low-ball all claims and rarely get up to a fair settlement number, forcing you to file suit.

7. Progressive
Progressive—the third biggest insurance company in the country—was established in 1937. The company offers the ability to purchase auto insurance directly, online or by phone. Alternatively, customers can sign up through independent insurance agents. The company employs over 33,000 people and has over 400 offices. Progressive is a publicly traded company.

Car Insurance Lawyer Rating: Fairness at the Settlement Stage 0 out of 5  Don't even waste your time with their adjusters, unless you have a catastrophic case and it is a no-brainer that the value of your case exceeds the coverage. 


PennDOT Car Accident Statistics

PennDOT Car Accident Statistics

Pennsylvania Full Tort vs Limited Tort Insurance

Pennsylvania law attempts to limit the number of lawsuits filed over minor car accidents through limited tort and full tort coverage insurance options in Pennsylvania.  If you elected the limited tort option, you may be precluded from seeking recovery for pain and suffering unless your injury rises to the level of serious impairment of bodily function. If you have suffered a severe injury such as broken bones; permanent injuries such as scarring or disfigurement, joint, muscle, neck, back, or knee injuries, burn injuries, or a significant head injury, we may be able to help, even if you elected Limited Tort.

Under Pennsylvania’s choice-no-fault system, drivers can choose between two insurance options: full tort or limited tort.  With full tort, you can sue in court for all damages, including pain and suffering. With limited tort, you are able to recover all out-of-pocket medical and other expenses, but you cannot recover damages for pain and suffering.  There is an exception to this rule.  If the accident has resulted in “death, serious impairment of bodily function, or permanent serious disfigurement”, you may recover for pain and suffering, even with limited tort insurance.  Another exception is if you are involved in an accident with an out-of-state vehicle. Many drivers are regretful for not purchasing full tort coverage, which costs only a few dollars more than limited tort.  Limited tort prevents injury victims from suing for pain and suffering if they do not fall within the exceptions.  Although limited tort does prove challenging in fully recovering for your injury, it is possible to receive substantial compensation within limited tort insurance.

Pennsylvania no-fault rules complicate the process of insurance claims.  We will help you to receive the full compensation that you deserve, including additional compensation for damages such as pain and suffering, in cases of severe injury or death.

Car Insurance Lawyers explain how Pennsylvania car insurance laws affect your rights.

Pennsylvania No-Fault Law

At the foundation of my Pennsylvania Car Insurance Advice is Pennsylvania Car Insurance laws.  Pennsylvania is a no-fault state with a choice-no-fault program.  Knowing your rights under the Pennsylvania No-Fault System will help you to be fairly compensated for your injury.

Pennsylvania Personal Injury Protection (PIP)

Under Pennsylvania’s no-fault system, a driver is compensated for injuries through his or her own insurance policy, regardless of who caused the accident. Pennsylvania medical benefits are covered by PIP Insurance. PIP covers the medical benefits for you and others included in your policy, regardless of fault. This is why my car insurance advice is to make sure you have proper car insurance coverage, because in Pennsylvania, regardless of who is at fault, it is YOUR car insurance that will determine your rights for compensation.

Pennsylvania Car Insurance Requirements

PIP Insurance is required by all Pennsylvania drivers.  Pennsylvania drivers must carry PIP coverage, bodily injury liability coverage, and property damage liability coverage.  A minimum of $5,000 of PIP coverage is required in Pennsylvania.  Bodily injury liability pays for the medical and rehabilitation expenses of anyone injured in a car accident where you are at fault. The minimum limit is $15,000 per person/$30,000 per accident; the $15,000 pays for injuries to one person, while the $30,000 is the total available to all claimants for one accident. Property damage liability covers the cost of repairing or replacing property damages that you caused in an accident where you are at fault.  The minimum limit is $5000 of coverage. Unfortunately, PIP insurance may not be enough to cover your property damage, pain and suffering, medical bills, and lost wages from auto accidents.

Pennsylvania Car Insurance:  Mandatory Insurance is not Full Insurance Coverage

To be fully covered for a car accident in Pennsylvania, you need more than the mandatory Pennsylvania Car Insurance coverage required by law.  In addition to the mandatory Pennsylvania Car Insurance, you need to choose the optional full tort, the optional Uninsured Motorist (UM) coverage, and the optional Underinsured Motorist (UIM) coverage.

Uninsured Motorists (UM) and Under-insured Motorists (UIM) Coverage

If the at-fault driver has limited insurance or no insurance, your UM or UIM insurance will cover the additional amount of damage caused by the negligent driver.  Compensation through UM and UIM can be complicated and is best handled by an experienced Personal Injury attorney.

Car Insurance Lawyers top 5 insurance recommendations:

#1:  When choosing your car insurance coverage be sure to check optional “Full Tort” coverage. You will not regret it.  In my opinion, this is the most important Pennsylvania Car Insurance Advice you need to know.

#2:  Choose the optional Uninsured and Under-insured Motorists Coverage.

#3:  Choose the optional Income Loss Coverage.

#4:  If you own more than one vehicle, Stack Your Coverage.

#5:  Choose more than the minimum coverage required by law.


The following chart highlights minimum insurance requirements in Pennsylvania and our recommended coverage. This should not be considered legal advice as everyone is unique in their insurance needs. If you have any questions regarding your auto insurance coverage, contact your insurance agent.

Pennsylvania Car Insurance Coverage Options
OptionsMinimum RequiredMinimum Recommended
Tort OptionLimitedFull
Bodily Injury Liability$15,000 per person
$30,000 per occurrence
$100,000 per person
$300,000 per occurrence
Medical Expense Benefit$5,000$10,000
Property Damage Liability$5,000$25,000
Income LossNot Required$1,000 per month
$5,000 in total coverage
Uninsured MotoristNot Required$100,000 per person
$300,000 per occurrence
Underinsured MotoristNot Required$100,000 per person
$300,000 per occurrence
Stacking of Limits for Uninsured/Underinsured MotoristsNot RequiredChoosing stacking is essential to maximizing your family’s protection:
$100,000 x the number of vehicles in the household
Funeral BenefitNot Required$1,500



Car Insurance Lawyer John Fox

No case is too big or too small for an evaluation.  Fox Law welcomes the opportunity to represent you. Call us today for a prompt and free consultation regarding your personal injury case.  During your consultation, your case will be discussed and the facts will be reviewed and evaluated.

If Fox Law accepts your case, it will be handled on a contingency fee, which means you pay nothing out-of-pocket. We carry all of the costs and assume all of the risks when we accept your personal injury claim.

"I know how to defend cases which means I know how to win them.”

Former Defense Attorney, John Fox.

Fox Law welcomes you to contact us.

Where we serve:  Center City Philadelphia, Northeast Philadelphia, Bucks County, Chester County, Delaware County, Montgomery County, Allentown, Lehigh Valley, and Reading Pennsylvania.

We are available to meet with you at our Philadelphia office. We also make house calls when necessary.

Fox Law Two Logan Square Philadelphia OfficePhiladelphia Office

Our Philadelphia office is conveniently located at Two Logan Square in Center City Philadelphia.  


Accessible by walking, bus, train or driving.  A parking garage is attached to the building.

Fox Law Northeast Philadelphia OfficePrefer to meet us near Northeast Philadelphia?

We offer free consultations near Northeast Philadelphia by appointment at our conveniently located consultation office in Jenkintown located at 610 Old York Road, Jenkintown, Pennsylvania.


Located in the heart of Jenkintown, adjacent to the SEPTA Noble Train Station and SEPTA bus commuter service stop in front of the building.

Call or email us today for a free consultation.

Fox Law, P.C.

100 North 18th St, #347

Philadelphia, PA 19103