Dealing With the Insurance Company After an Injury in Pennsylvania
Why this section exists
Almost every injury claim in Pennsylvania is, in practice, a negotiation with an insurance company. Not a courtroom — an adjuster, a claim number, a file, and a series of phone calls.
Most people have never done this before, and the process is built by people who do it every day for a living.
This section collects the questions people actually ask once the insurance side starts: who is allowed to call you, what you have to give them, what you do not, how long they can take, and what to do when the number they offer does not come close to covering what happened to you.
Start here if the adjuster has already called…
If someone from an insurance company has already reached out, the most useful thing to understand first is which insurance company it is. The other driver’s insurer and your own insurer have different relationships to you and different rules apply to each.
Two pages cover this directly:
What’s in this section…
• Talking to An Insurance Adjuster: What The Call Is For and How to Handle It
• Recorded Statements to Your Own Insurance Company and Why That Answer Is Different
• The Medical Records Authorization The Adjuster Wants You to Sign
• How Long An Insurer Has to Respond To A Claim in Pennsylvania
• Settling Your Vehicle Damage Without Accidentally Settling Your Injury Claim
• What Happens When You And The Adjuster Disagree About The Value of The Claim
A note on tone
Adjusters are not villains. Most are ordinary people carrying too many files.
But they work for the company paying the claim, and their job is to close files efficiently and for as little as the file reasonably requires.
Nothing in this section assumes bad faith. It assumes a professional negotiation in which one side has done it ten thousand times and the other side is doing it for the first time, while hurt.
Talk it through with someone local. If you have questions about your own situation, the attorneys at Joyce, Carmody & Moran can review what happened and explain your options — no cost for the first conversation, and no obligation. We are based in Pittston and handle injury matters throughout Luzerne County.
Let’s Work Together
When you work with us, you can expect clear communication, thoughtful strategy, and a team that is fully invested in your goals. We take the time to understand your needs, tailor our approach, and stand with you through every step of the legal process. Let’s move forward — together.