Harry Stump, Attorney At Law

1380 Old Freeport Road
Suite 3B
Pittsburgh, PA 15238

Phone: 412-281-5325
Email: hs@hstumpesq.com
Directions to our office

Author: Harry Stump

In Pennsylvania, accident related medical bills, other than car accidents covered by first party benefits, will be paid by your own health insurance.  If you have Medicare, Medicaid, Workers’ Compensation, Veterans Administration benefits, an HMO or any other private health insurance plan, there will almost always be subrogation claims in the event of a settlement.  Non-ERISA health plans may be barred from subrogation in Pennsylvania car accident cases. There are a number of legal and medical issues that can be raised in order to try to reduce the subrogation lien.   The legal issues require the collection and review of the underlying

If you are in a serious car accident and cannot work for a long period of time, Uninsured Motorist Coverage protects your family against the driver who may have low limits of liability insurance coverage.  Pennsylvania law only requires that a driver have $15,000- $30,000 in liability insurance coverage.  The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.  These minimum limits have not been raised since before 1980. If you are injured in a car accident and cannot work, you will need money to pay your rent, mortgage, car payment, utilities, food,

Be careful when you walk through a parking lot.  The National Safety Council reports that 60,000 persons are injured and 500 or more die from the 50,000 plus crashes that occur in parking lots and garages each year.  It is estimated that one out of every five car accidents occurs in parking lots. Pedestrians, and especially small children, are at especial risk from cars backing out of parking spaces and distracted drivers.  Blind zones can be created by large vehicles or trucks parked next to a backing out vehicle may block a driver’s vision for persons walking behind their car.  Not

Uninsured Motorist Coverage is the insurance bargain that protects your family against the driver who does not have any automobile insurance coverage.  Even though Pennsylvania law requires every automobile to be insured, uninsured drivers may constitute as many as 1/3 of all drivers.  The uninsured driver includes the person who did not pay their insurance premium; who drives a car without the owner’s permission; who drives a stolen car; who uses the car for hire (jitney driver); and the hit and run driver. One of the parties in the accident must have enough liability insurance to cover your losses. You can hope

The National Highway Traffic Safety Administration (NHTSA) reports that of the 4,000 motorcycle crashes in Pennsylvania each year, half are between a motorcycle and another motor vehicle, and approximately 1,300 are not the fault of the motorcycle driver. If you are seriously injured in a motorcycle crash that is not your fault, then there is a good chance that you will have large medical bills, a large healthcare lien that must be repaid out of any settlement, lost wages, disability and a loss of quality of life. One of the parties in the accident must have enough liability insurance to cover your

According to the Centers for Disease Control and Prevention, motorcycle helmets saved an estimate 1,859 lives in 2016.  Helmet use reduces the risk of death by 37% and the risk of head injury by 69%.  PennDot states that one out of every five motorcycle crashes result in head or neck injuries. In 2016, states without universal helmet laws, 60% of motorcyclists killed were not wearing helmets compared to 8% in states with universal helmet laws.  Statistics do not lie.  Always wear a helmet when you ride.

The National Safety Council has designated May as the month to observe motorcycle safety.  There are many causes of motorcycle accidents.  One cause that stands out is that most of the vehicles on the road way are not motorcycles.  That means that the driver of a car, van or truck is not thinking of motorcycles and may not see them.  In other words, that driver is looking for larger motor vehicles with two headlights not a motorcycle. The Motorcycle Safety Foundation states that when motorcycles and other vehicles collide, it is usually the non-motorcycle driver who violates the motorcyclists right-of-way.  The

Dogs of any breed might bite, but some breeds account for a much larger percentage of dog bites than others. The Allegheny County Department of Health tracks reported dog bites.  Dog bites that occurred in Pittsburgh, Pennsylvania are included in these county statistics.  . In 2017, the Allegheny County Health Department received reports of 1,330 dog bites. Dog bites occurred from the following dog breeds:  Mixed Breed (184 bites or 24%), Pit Bull (160 bites or 21.1%), German Shepherd (60 bites or 7.9%), Labrador Retriever (30 bites or 4%), Boxer (23 bites or 3%), Rottweiler (22 bites or 2.9%), Mastiff (20 bites or

April has two Dog Bite Prevention weeks.  National Dog Bite Prevention Week was April 7-13, 2019.  This is followed by the U.S. Postal Service Dog Bite Prevention Week April 14-20, 2019. The American Veterinary Medical Association (AVMA), estimates that  350,000 people received medical treatment for dog bites in the United States in 2017.  Approximately 10,600 of these were children two years old or younger. The American Medical Association (AMA) states that dog bites are the second leading cause of childhood injury. According to the U.S. Postal Service, 5,714 postal employees were attacked by dogs in the United States in 2018.  The Postal Service

In Pennsylvania, the minimum medical payment benefit that you must buy is only $5,000.  Most automobile insurance companies want to sell you either $5,000 or $10,000 worth of medical coverage.  Your insurance company may tell you that your private insurance will take care of the rest.  With today’s high cost of health care, that $5,000 benefit would only cover the most minor injury case.  The minimum amount of automobile medical payment benefit that I recommend is $50,000.  In a recent case, the health insurance subrogation claim was more than $130,000   To avoid that type of lien, I recommend asking for