The Law Offices of Doroshow, Pasquale, Krawitz and Bhaya

Welcome to the Law Offices of Doroshow, Pasquale, Krawitz and Bhaya. We hope you find the information on our site useful. To schedule a consultation, please contact us at 800-632-9230.

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Location: Statewide, Delaware, United States

In 1978, I opened Delaware’s first suburban law office to respond to the overwhelming need for legal services for the middle income consumer. The rich always could afford attorneys and the poor had free legal services. Middle income consumers always were left out in the cold. Since that time, our firm’s focus has been to help those in the middle. We’ve helped protect the rights of thousands of people in all areas of the state. I am proud of our track record and the help that we have given to middle income Delawareans.

Tuesday, October 28, 2008

Allstate Worst Insurer for Consumers; New AAJ Report Finds

Allstate Worst Insurer for Consumers; New AAJ Report Finds

By: Eric M. Doroshow

October 28, 2008

The American Association of Justice reports in a new study that Allstate is the worst insurance company for consumers. The study involved a comprehensive investigation of insurance company filings as well as interviews with policyholders.

The study went on to find that Allstate employs a clear company policy to avoid paying claims to increase its’ profits.

“Allstate set the standard for insurance greed,” according to the report. The tactics used by the company were to force the consumers to accept lowball settlement offers or to deny claims at any cost. “While the Company publicly touts its 'good hands' approach, it has instead employed a 'boxing gloves' strategy against its policyholders.”

Also coming out poorly in the study was AIG, State Farm and Liberty Mutual.

Now more than ever, if you have been involved in an accident and the insurance company has made an offer to settle your case, don’t go it alone. Never, ever sign a release without speaking to an experienced personal injury attorney. Our firm has handled these types of matters for 30 years and we would be please to review your settlement offer at not charge or obligation to you. Contact us at 1-800 632-9230.

Wednesday, October 1, 2008



By: Eric M. Doroshow

September 29, 2008

If you are looking to save premiums on your car insurance, a deductible can be a good idea. A deductible means money coming out of your pocket, so be careful and look closely at the insurance benefits you will have.

Choosing a deductible of $500.00 can save you a significant amount of premium in the collision coverage on your car. So choosing a deductible here may make real sense.

However, recently insurance companies have been suggesting deductibles for PIP coverage (Personal Injury Protection). These benefits are shared between you for the payment of lost wages and your healthcare providers for payment of medical bills. The minimum limits to drive are $15,000 in PIP.

We have seen our clients choose very high deductibles in PIP; $2,000, $3,000, sometimes as much as $15,000. We STRONGLY suggest to our clients not to purchase these deductibles. Why?

If you do have a deductible, the company will apply it against your medical bills balance. So you will be responsible to pay for that bill out of your own pocket. If you have a viable 3rd party case (personal injury case against someone at fault), that unpaid deductible portion would come out of your settlement. And if you don’t have a viable case, you may find yourself reaching into your own pocket to pay this bill. It’s simply not worth it.

An especially egregious problem occurs with motorcycle insurance. Many companies offer to cut their premiums for large deductibles. Unless you have excellent health care benefits and long term disability insurance from other sources, don’t take the deductibles.

In summary, the advice here is to be very careful before you choose a deductible on your car insurance. Know exactly what your premium savings is and whether or not it makes any sense. For more information about your legal rights and car insurance, feel free to contact us.