Knafo Law Offices - Personal Injury Law Firm in Allentown, PA.

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AUTO INSURANCE
Full Tort versus limited tort-What's Best For You?
Pennsylvania drivers must select either "full tort" or "limited tort" automobile insurance coverage. If you select the "full tort option", you and members of your household have the absolute legal right to make a claim for compensation as a result of a vehicular accident that results in injury. Full tort households have the full and complete right to seek compensation for medical bills, lost wages, vehicle damage, pain and suffering, loss of enjoyment of life, permanent injuries, scarring, and spousal support.

On the other hand, if you select the "limited tort option", you and members of your family are giving up certain constitutional rights to pursue recovery, even though the other driver was fully responsible for causing the accident. Under this form of insurance, you and other household members covered under the policy may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other non-monetary damages unless the injuries sustained fall into one of the following categories:

  1. Serious injury - Personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.
  2. If the other driver is convicted of driving under the influence of alcohol or a controlled substance or accepts an ARD program.
  3. If the other driver committed an intentional act which caused your injuries.
  4. the If the other driver was operating a vehicle registered in another state.
  5. If the other driver has no insurance.

Although the "limited tort option" provides for cheaper insurance premiums, the minimal cost difference must be weighed against the significant legal rights you will be losing. In addition, the person purchasing the insurance must realize that by selecting "limited tort", it not only applies to the person purchasing the insurance, but also to all members of the household. As a result, a minor child riding in a neighbor's vehicle is deemed to have limited tort if that vehicle is involved in an accident.
For full and complete coverage, the "full tort option" is the best choice for your family.
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AUTO ACCIDENT
According to the Federal Highway Administration, there were an estimated 6,289,000 police-reported crashes in 1999. Those accidents accounted for approximately 3,200,000 people being injured and more than 41,000 deaths. More than one-third of those fatalities involved alcohol use by the driver. Almost 4,700 pedestrians were killed in traffic accidents in that same year. Auto-related crashes account for more than one-third of deaths involving teenagers between the ages of 15 and 19. Approximately 2,500 motorcyclists died from crashes in 1999.
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BUS ACCIDENTS
2006 Pennsylvania Bus and Truck Accident Statistics

  • 183 Large Trucks and 22 Buses Involved in Fatal Crashes
  • 193 Fatalities in Crashes Involving Large Trucks and 22 Fatalities in Crashes Involving Buses
  • 5,726 Large Trucks and 985 Buses Involved in Non-Fatal Crashes
  • 2,930 Large Trucks and 691 Buses Involved in Injury Crashes
  • 4,342 Injuries in Crashes Involving Large Trucks and 1,868 Injuries in Crashes Involving Buses
  • 2,796 Large Trucks and 294 Buses Involved in Towaway Crashes
  • 168 Large Trucks and 0 Buses Involved in Hazmat (HM) Placard Crashes

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CEREBRAL PALSY
Cerebral Palsy is a disorder that impairs control of movement. Cerebral Palsy affects a person's motor skills hampering them from writing, maintaining balance or completing tasks that requires fine-motor skills. More then 500,000 people living in the United States suffer from a form of this incurable disorder. Cerebral Palsy can be caused by many different factors. Over 20 percent of cerebral palsy victims have had it since birth.
Many of these cases may have been due to medical malpractice. If you or someone you care about has Cerebral Palsy due to medical negligence contact a personal injury lawyer.
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DEATH CLAIMS
A wrongful death is the result of the negligence of a person or company causing someone to die. The United States allows survivors of the deceased to collect compensation. Compensation may come in the form of projected earnings of the victim, loss of companionship, expenses occurred because of death, and pain and suffering to name a few. If you have lost a loved one as a result of someone's negligence call a Easton PA personal injury lawyer.
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DOG BITE
In many states dog bites are a strict liability on the owner of the dog. This means that the owner is responsible for any damages done by the dog whether or not the owner was directly at fault. The injured person may not be able to collect any damages if the dog's owner can prove that the injured person was trespassing or provoking the dog causing it to bite. If you were bitten by a dog or other animal contact a personal injury lawyer.
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DRUNK DRIVER
In the year 2001, there were 1,530 traffic deaths in the Commonwealth of Pennsylvania. 45% of these deaths were alcohol related accidents. In Pennsylvania the current blood alcohol content limit is .08. A 175 pound man would have to drink approximately 4 alcoholic beverages in one hour to reach a blood alcohol level of .08.
When is a driver considered to be legally drunk in Pennsylvania?

  • Non-commercial drivers age 21+ are considered legally drunk when their blood alcohol level is .08 or more.
  • Drivers of commercial vehicles are legally drunk when their blood alcohol concentration is .04 percent or greater.
  • School bus drivers are legally drunk when their blood alcohol level is .02 or more.
  • Drivers under 21 are legally drunk when their blood alcohol concentration is .02 or more.

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MEDICAL MALPRACTICE
Medical malpractice is defined as the improper or negligent treatment of a patient resulting in injury and damages. This can range anywhere from a misdiagnosis to an incorrect surgery. Every year medical errors kill between 50,000 and 100,000 people. These errors are often the result of under trained, incompetent, or negligent doctors.
If you or a loved one has been hurt by an incompetent or negligent doctor, exercise your rights and contact a Easton PA Medical Malpractice lawyer. Back To Top

PEDESTRIAN ACCIDENTS
Every year 5,000 pedestrians are killed by motor vehicles and another 75,000 are injured. 80% of all pedestrians that were struck were injured while crossing at a non-intersection. In the Commonwealth of Pennsylvania, pedestrians have the right-of-way over motorists in a crosswalk area. If you have been injured due to a driver's negligence contact an Easton PA personal injury lawyer.
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PRODUCT LIABILITY
The manufacturer of a product is a guarantor of its safety. The product must be provided with every element necessary to make it safe for use, and without any condition that makes it unsafe for use.
If you find that the product, at the time it left the manufacturer's/retailer's control, lacked any element necessary to make it safe for use, or if it contained any condition that made it unsafe for use, then the product is defective and the defendant is liable for all harm caused by the defect.
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SLIP AND FALLS
Slip trips and falls are the number one cause of accidental death in the United States. Property owners have a duty to keep their lots safe for others to use. If a property is not kept in the condition a reasonable person would keep it in the owner can be responsible for any injuries occurring on the property.
Slip and falls that occur indoors can be a result of an uneven floor, poorly lit stairwells, and areas of carpet that are uneven etc. Slip and falls that occur outdoors can be a result of an icy sidewalk, cracked or uneven pavement, potholes, cracked sidewalks, uneven curb, etc.

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SOCIAL SECURITY
A person is considered disabled for Social Security purposes if he/she is incapable of performing substantial gainful employment of a light or sedentary nature for a period of at least one (1) year.
To file for Social Security, one needs to go to one's local Social Security office to determine if they have sufficient credits to qualify for Social Security disability benefits.
You should have legal representation at any hearing before an Administrative Law Judge.
If you are disabled and unable to perform gainful employment, call an Easton PA Social Security lawyer.
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TRUCK ACCIDENTS
Every year 500,000 large trucks are involved in accidents. Because of these accidents, 5,000 people are killed and 150,000 people are injured every year.
Almost 80% of all accidents involving a large truck result in injury to the other driver. Because tractor trailers can weigh in excess of 9,000 pounds many of these injuries can be very serious.

2006 Pennsylvania Bus and Truck Accident Statistics
  • 183 Large Trucks and 22 Buses Involved in Fatal Crashes
  • 193 Fatalities in Crashes Involving Large Trucks and 22 Fatalities in Crashes Involving Buses
  • 5,726 Large Trucks and 985 Buses Involved in Non-Fatal Crashes
  • 2,930 Large Trucks and 691 Buses Involved in Injury Crashes
  • 4,342 Injuries in Crashes Involving Large Trucks and 1,868 Injuries in Crashes Involving Buses
  • 2,796 Large Trucks and 294 Buses Involved in Towaway Crashes
  • 168 Large Trucks and 0 Buses Involved in Hazmat (HM) Placard Crashes

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WORKMEN'S COMPENSATION Under section 301 (a) of the Pennsylvania Code, every employer is responsible for any accidents or deaths that may occur to their employees while in the course of their employement. Employers in the Commonwealth of Pennsylvania must provide workers compensation coverage for all employees.
Benefits are determined on a Total Disability or Partial Disability Status. Total disability applies to workers who are totally disabled and unable to work at all. Partial disability applies to workers who can no longer fulfill their previous position because of a work injury but are still able to work.
Compensation may be paid out for work induced injury, illness or diseases. Compensation will not be paid when the injury is self-inflicted or caused by employee negligence. Intoxication leading to injury or death will also not be covered.
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If you were involved in any of the above situations, it is important to protect your legal rights. Review the 10 Rules to follow if you are in an accident instructions provided. Then call an Allentown, Bethlehem, Easton injury lawyer and Allentown, Bethlehem and Easton Accident attorney whose firm handles Lehigh and Northampton County accident cases with injuries or death.

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Our Locations

Orefield 1409 Hausman Rd
Allentown, PA 18104
Phone: 610-395-9001
Fax: 610-395-7776

Allentown 4201 Tilghman Street
Allentown, PA 18104
Phone: 610-432-2221
Fax: 610-432-6411

Easton/Palmer 2740 Nazareth Road
Easton, PA 18045
Phone: 610-253-5555
Fax: 610-253-5578

Whitehall 2012 Mauch Chunk Road
Allentown, PA 18104
Phone: 610-799-2221

Reading 4700 Perkiomen Ave
Reading, PA 19606
Phone: 610-370-4000

Lancaster 1672 Manheim Pike
Lancaster, PA 17601
Phone: 717-560-4444

Bethlehem 610-861-8777

Lehighton 610-377-8888