Car insurance seems like it should be fairly simple: either you have it
or you don’t. Unfortunately, things aren’t always so black
and white and even if you
do have car insurance, the terms of your policy can have a significant impact
on the aftermath of a car accident.
In Pennsylvania, drivers are given a choice between full tort and limited
tort. Making the right choice is crucial for your future well-being. Below,
we explain both options in greater detail to help you make the most informed
decision regardless of what the future holds.
What is the difference between full tort and limited tort?
Limited tort is exactly what it sounds like – it is
limited and only allows you to sue for partial recovery after a car accident.
You can sue for medical bills, but you may forfeit your right to recover
for pain and suffering or other non-monetary damages with limited tort.
The only way you can sue for pain and suffering with limited tort is if
your injuries fall into one of the following categories:
- Personal injury resulting in death, serious impairment, or permanent serious
- If the other driver is convicted of driving under the influence of alcohol or drugs
- If the other driver committed an intentional act which caused your injuries
- If the other driver was operating a vehicle registered in another state
- If the other driver has no insurance
Unfortunately, limited tort appeals to most drivers because it is the cheaper
option. But while it may allow you to save money in the here and now,
you will be forced to pay far more in the future if you are involved in
a car accident because you may be unable to recover for pain and suffering
caused as the result of the negligence of another driver.
On the flip side, full tort coverage gives injured
car accident victims the ability to sue for both medical bills
and pain and suffering. It is certainly more expensive on a month-to-month
basis, but should an accident happen, you will be able to seek full compensation
for your losses.
Protect Your Rights – Put a Philadelphia Car Accident Lawyer on Your Side
Personal injury accidents are bad enough on their own, let alone when you are forced to go without
deserved compensation. Our firm wants to ensure that you make the best
possible decision in the present and get what you are entitled to in the future.
If you have questions about your insurance policy or were recently injured
in a car accident,
get in touch
with our firm right away.
The Law Offices of Steven Laynas
is prepared to assist you with more than 30 years of experience and a
deep commitment to your best interests.