Living in Pennsylvania but enjoying a day trip to Delaware? Or maybe you commute across the state border for work? No matter the reason, you could find yourself in the unfortunate situation of being involved in a car accident there. If you're a PA resident facing this scenario, worry not – we'll guide you through the steps you need to take.
Safety First: Ensure everyone's safety – check for injuries, call emergency services if needed, and secure the scene (turn on hazard lights, set up emergency flares).
Exchange Information: Gather details from the other driver, including contact information, insurance details, and license plate number. Take pictures of the accident scene, damage to vehicles, and any injuries.
Contact your Insurance Company: Inform them of the accident as soon as possible, providing accurate details.
Seek Medical Attention: Regardless of severity, get a medical evaluation to document any injuries.
Important Considerations for PA Residents:
Delaware Law Applies: Remember, the accident occurred in Delaware, so their laws will govern the case. This means your PA insurance policy and "limited tort" option (if applicable) might not offer the same coverage as in your home state.
No-Fault Coverage: Delaware has a no-fault insurance system, meaning your own insurance covers your initial medical expenses regardless of fault. However, pursuing claims for pain and suffering or significant damages requires proving the other driver's negligence.
Seek Experienced Help: Navigating an out-of-state accident can be complex. Consider consulting a lawyer like DiLeonardo Law experienced in Delaware car accident law who can advise you on your rights and options.
Keep detailed records of everything related to the accident, including medical bills, police reports, and communication with insurance companies.
Be cautious about admitting fault at the scene or on social media.
Don't sign any documents from the other driver's insurance company without fully understanding their implications.
Remember: While stressful, facing a car accident in Delaware shouldn't leave you feeling lost. By taking quick action, understanding applicable laws, and seeking professional guidance if needed, you can protect your rights and navigate the situation effectively.
Have you been in a car accident in Delaware as a PA resident? Submit our evaluation form and we will reach out to you!
Disclaimer: This blog post is intended for informational purposes only and should not be construed as legal advice. Always consult with a qualified attorney for specific legal guidance related to your individual situation.