Schuster Law
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Car Accident Lawyers in Chester PA: Commercial Traffic and Small Policies

The vehicles down here are often commercial, and the drivers often are not insured enough.

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Kenneth R. Schuster, founding member of Schuster Law
Kenneth R. Schuster Founding Member. Practicing in Delaware County since 1982.

Two things shape car accident claims in this part of the county. A high proportion involve commercial vehicles serving the port and industrial corridors, which brings larger policies and different evidence. And a high proportion of private drivers carry only minimum limits, which makes your own coverage the important question.

Commercial vehicles change the case

Route 291, Route 322 and the I-95 approaches through Chester, Pennsylvania carry freight, and a collision with a commercial vehicle is not a bigger car crash. Federal rules govern the carrier, driver logs and electronic data exist and are discarded on schedules, and the liability policy is far larger than a private motorist’s.

Photograph the DOT number, the company name and the trailer as well as the tractor, and tell us quickly so a preservation letter goes out before the data rolls off.

When the other driver has minimum limits

The other pattern here. Pennsylvania minimum liability limits do not cover a serious injury, and the recovery then depends on your own coverage:

  • Underinsured motorist coverage, which is frequently the largest available policy.
  • Stacking across household vehicles, which multiplies it unless a valid waiver was signed.
  • Medical benefits coverage, which pays treatment regardless of fault.

Bring every declarations page in the household. It is normal for the available coverage to be considerably larger than people believe.

The first 48 hours

Get treated and say how it happened. Photograph everything before vehicles move. Get the police report number. Do not give the other insurer a recorded statement. The full explanation of tort elections and valuation is on how Pennsylvania car accident claims work.

The office

405 Avenue of the States, answered 24 hours on (610) 686-3088, including weekends.

The attorneys who handle these cases

Every one of these bar numbers is searchable on the Pennsylvania Disciplinary Board register. The person who takes your call is the person at your hearing.

Questions people ask us about this

A commercial truck hit me. What should I do differently?

Photograph the DOT number, company name, tractor and trailer, and tell us quickly. Federal rules govern the carrier and driver logs and electronic data are discarded on schedules, so a preservation letter in the first days is often the most valuable step in the case.

The other driver only had minimum insurance.

Common here, and it makes your own coverage the important question. Underinsured motorist coverage is frequently the largest available policy, stacking across household vehicles can multiply it, and medical benefits coverage pays treatment regardless of fault.

What should I do in the first 48 hours?

Get treated and say how it happened, photograph everything before vehicles are moved, get the police report number, do not give the other insurer a recorded statement, and find the declarations pages for every vehicle in your household.

Is the Chester office open at night?

The phone is answered 24 hours on (610) 686-3088, including weekends. Crashes and denials do not keep office hours and neither does an insurer calling the day after.

Both Delaware County offices

Walk in, or call. Both are answered 24 hours.

Tell us what happened

Two questions to start. No contact details until the second step, and nothing you send here commits you to hiring us.

  • You pay nothing unless we recover for you
  • A named attorney reads every case review
  • Both offices answer 24 hours, so you can call instead

Would rather talk now? (610) 686-3088

Step 1 of 2: what happened

Two questions in, and nothing about you yet. Free, and it does not commit you to hiring us.

Call now Free case review

Free case review

Tell us what happened. A named attorney reads every one, and you pay nothing unless we recover for you.

Step 1 of 2: what happened

Two questions in, and nothing about you yet. Free, and it does not commit you to hiring us.

Would rather talk now? (610) 601-2980