If you’ve been in a car accident in Philadelphia and are struggling with your insurance claim, hiring an auto insurance attorney in Philadelphia could be your smartest move. Whether you’re facing a denied claim, an unfair settlement, or bad faith practices from an insurance company, the right lawyer can make all the difference.
This detailed guide will help you understand what Philadelphia auto insurance attorneys do, when to hire one, how much they cost, and who the top lawyers and law firms in Philadelphia are for 2025.
What Does an Auto Insurance Attorney in Philadelphia Do?
An auto insurance attorney in Philadelphia helps clients resolve disputes with insurance companies. Their responsibilities typically include:
- Negotiating settlements when insurers underpay or delay claims
- Suing insurance companies for acting in bad faith
- Reviewing policy coverage and explaining legal options
- Representing clients in court or arbitration
In a city like Philadelphia where insurance disputes can involve multiple parties, pedestrians, or commercial vehicles having a skilled local lawyer ensures you receive the compensation you deserve.
When Should You Hire an Auto Insurance Attorney in Philadelphia?
Consider hiring a lawyer if:
- Your insurance claim was denied or delayed
- You sustained serious injuries and medical expenses
- The insurer offered a low settlement
- You’re being wrongly blamed for an accident
- The case involves a commercial or multi-vehicle collision
Philadelphia attorneys understand Pennsylvania’s no-fault auto insurance laws and can navigate complex local procedures efficiently.
Top Auto Insurance Attorneys and Law Firms in Philadelphia (2025 Edition)
Below is a curated list of top-rated Philadelphia auto insurance lawyers who specialize in helping clients fight against unfair insurance practices.
1. Kline & Specter, P.C.
- Website: www.klinespecter.com
- About: One of the most recognized law firms in Pennsylvania, known for handling car accident claims and insurance disputes. They have won record-setting verdicts for clients across the state.
2. MyPhillyLawyer
- Website: www.myphillylawyer.com
- About: Specializing in auto insurance claims, MyPhillyLawyer has decades of experience fighting large insurance companies. They provide free consultations and operate on a contingency basis.
3. Rosenbaum & Associates
- Website: www.rosenbauminjuryfirm.com
- About: A trusted Philadelphia firm focusing on motor vehicle accidents and denied insurance claims. They offer personalized representation and have recovered millions for clients.
4. The Pearce Law Firm, P.C.
- Website: www.thepearcelawfirm.com
- About: Founded by Edith Pearce, a former insurance defense lawyer, this firm uses insider knowledge to fight for accident victims seeking fair settlements.
5. Lundy Law
- Website: www.lundylaw.com
- About: With over 60 years of experience, Lundy Law has built a reputation for handling auto insurance disputes, personal injury claims, and bad faith lawsuits in Philadelphia.
6. Zarwin Baum DeVito Kaplan Schaer Toddy, P.C.
- Website: www.zarwin.com
- About: Known for their strong litigation team, Zarwin Baum represents both individuals and businesses in complex insurance and accident-related cases.
7. Law Offices of Greg Prosmushkin, P.C.
- Website: www.gproslaw.com
- About: Offers bilingual legal support (English and Spanish) and handles all aspects of auto insurance disputes and accident claims in Philadelphia and surrounding areas.
How Much Does an Auto Insurance Attorney in Philadelphia Cost?
Most Philadelphia auto insurance attorneys charge on a contingency fee basis, meaning you pay nothing unless you win.
Typical rates include:
- 25–40% of the settlement amount
- Free initial consultation
- Some may charge hourly rates ($250–$450/hour) for policy review or advisory services
This system ensures that you can access top-tier legal help without upfront costs.
How to Choose the Best Auto Insurance Attorney in Philadelphia
- Look for specialization – Choose lawyers with proven experience in auto insurance disputes.
- Check client testimonials – Read reviews on Google, Avvo, and Martindale-Hubbell.
- Confirm bar membership – Verify that the attorney is licensed in Pennsylvania.
- Ask about fees upfront – Get written details before signing a contract.
- Evaluate communication – A responsive attorney signals commitment and professionalism.
How to File an Auto Insurance Dispute in Philadelphia
- Collect all accident evidence – Photos, police reports, medical bills, and witness statements.
- Submit your claim to your insurance provider with complete documentation.
- If denied or delayed, contact a Philadelphia auto insurance attorney for review.
- File a complaint with the Pennsylvania Insurance Department if needed.
- Pursue litigation – Your lawyer may sue for bad faith if the insurer violates fair claim practices.
Common Bad Faith Insurance Tactics in Philadelphia
Be aware of these tactics used by insurers:
- Delaying or ignoring your claim
- Misrepresenting policy coverage
- Making unfairly low settlement offers
- Pressuring you to accept early payment
- Denying claims without proper justification
Philadelphia attorneys are well-versed in Pennsylvania’s Unfair Insurance Practices Act, which protects consumers from such tactics.
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