Make Sure Your Insurance Policy Provides FULL TORT coverage
LIMITED TORT
Under Pennsylvania Law, if you choose Limited Tort coverage on your auto insurance policy, you give up the right to receive compensation for pain and suffering under certain circumstances if you are injured in a car accident. If you have never been injured in an car accident, you may not realize the pain and suffering that a person goes through. Car crashes can lead to injuries and long-term disabilities that last for months or even years.
Many people are unfamiliar with insurance provisions and don’t understand what it really means to have Limited Tort coverage on their auto policy. They choose Limited Tort because they believe that it saves them a few dollars. Or they think they’ll never be injured in a car accident.
By choosing Limited Tort, you sacrifice full protection for you and your family members who are covered under your car insurance policy. Limited Tort not only puts you and your family at risk in your own car, but it even applies when you or your family are injured as passengers in someone else’s car.
There are some exceptions to Limited Tort that would enable you to collect money for pain and suffering under limited circumstances, such as you sustain a serious impairment of a bodily function, significant disfigurement, or death; you are in a commercial vehicle; the other driver is from another state; or the other driver is convicted of DUI.
FULL TORT
With Full Tort, Pennsylvania law permits you to seek money for your pain and suffering due to any injury you receive in an auto accident, provided that someone else is at fault for the accident.
Choosing Full Tort on your policy instead of Limited Tort does cost a little more on your car insurance premium, but it could mean thousands of dollars to you if you are injured in an auto accident. Having additional money to help you through a difficult time in your life is well worth the small expense today.
If you or a loved one are injured as a result of someone else’s negligence in a car accident, falldown, or other accident, call Naftulin and Shick, PC for a free consultation at 215-348-5455.