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

Automobile

 If you want the maximum protection possible from your automobile insurance policy, consider asking your insurance agent for a quote for a personal umbrella policy.  This coverage typically insures you for an additional $1,000,000 in liability, uninsured and underinsured motorist coverage.  While many people are not currently in the market for this amount of insurance coverage, it is a fairly inexpensive way to protect your own future earning capacity against accidental loss in a motor vehicle accident.  A typical personal umbrella policy requires you to carry $500,000 in liability, uninsured, underinsured, and homeowner’s coverage.  For an additional premium per year,

If you have been the victim of an automobile accident, you have certain rights which are guaranteed by law.  Basically, you have the right to be returned to the same condition that you were in before the accident occurred.   ¨  You have the right:         To the very best medical care available with no out-of-pocket expense to you. ¨  You have the right:         To recover any lost wages or loss of earning capacity which may have resulted from the incident. ¨  You have the right:         To be compensated for any pain, suffering and inconvenience from the incident.    ¨  You have the right:         To an equitable

This office ended the unjust subrogation of Heart and Lung  from police officers and other public safety personnel involved in Pennsylvania auto accidents.  In 1993, when Workers’ Compensation benefits were again subjected to subrogation in auto accident cases, governments began to claim subrogation rights from Heart & Lung benefits paid to public safety personnel. Heart and Lung Act benefits were created by the Legislature to provide full payment of salary to police officers, firemen and other law enforcement officers who are injured in the performance of their duties and by reason thereof are temporarily incapacitated from performing their duties.  These benefits

Having Full Tort is best because Limited Tort may limit your right to collect pain and suffering damages.  But having Limited Tort on your insurance policy papers does not necessarily mean that you do not have a good case.  Some, but not all, of the exceptions that might help you are as follows: Can your insurance company prove you chose Limited Tort? Was the other driver convicted or on ARD for driving under the influence? Did the other car have out-of-state plates? Did you occupy a business, leased, rental or governmental vehicle? Did you occupy a vehicle used as a

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

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

MINIMUM RECOMMENDED LIABILITY - $100,000-$300,000 MEDICAL BENEFITS - $50,000 UNDERINSURED AND UNINSURED MOTORIST - $100,000-$300,000-STACKED INCOME LOSS - $1000 –$5000 √ FULL TORT These are minimum recommended coverages. You should increase your coverage beyond these minimums as you can afford it. A good rule of thumb is to have as much underinsured and uninsured motorist coverage as you will earn the rest of your life. This will help to protect your future earning capacity against a catastrophic loss. Read your automobile insurance declaration page carefully. Asking an agent for "Full Coverage" may get you Limited Tort, minimum liability coverage, minimum medical benefits