Philadelphia Limited Tort Lawyer
You own a car. You bought insurance. You got into an accident. The next day you cannot move your neck at all. You see a doctor. You seek a lawyer. You meet the attorney and you for the first time learn that you elected Limited Tort on your insurance policy. Your attorney then drops the case because your neck sprain and strain does not constitute a serious impairment of a bodily function. What do you do? Call The Law Offices of Greg Prosmushkin, P.C. Our office has handled thousands of Car Accidents. We can help you succeed with your Limited Tort case. The consultation is free, so call us today.
The requirement of a serious impairment of a bodily function is not a subjective standard. If you are injured, and you believe it is serious, then you must document the injury and the treatment very carefully. Insurance companies routinely deny payment for your pain and suffering based on your election of Limited Tort. For this reason, we always suggest that you apply for and get Full Tort. This way, you can decide for yourself whether you have a claim worth pursuing or not. If you have limited tort, you are placing that determination with the insurance company.
Here are some exceptions to the election of limited tort by an insured:
- Disfigurement and Scarring
- Out of state registered vehicle
- Pedestrian Accident
- Driving a car that you do not own
- No valid election waivers
What are valid election waivers? Selecting limited tort on your policy requires you to affirmatively sign the document where it states that you are electing Limited Tort on your policy. They even have a price differential breakdown set up to show you how much money you save. In reality, you aren’t saving a penny if you need to make a claim.
Limited Tort Lawyer Philadelphia
Our office always requests a copy of the original policy where the election of limited tort is documented. We have been successful in reforming policies to allow the client to enjoy full tort status. At The Law Offices of Greg Prosmushkin, P.C., our Car Accident Attorney is trained to look for insurance policy discrepancies. A few examples of such discrepancies are:
- The insurance company lost the original signature pages – FULL TORT
- The signature is not the claimants – FULL TORT
- The originals are unsigned – FULL TORT
At The Law Offices of Greg Prosmushkin, P.C., we invite you to visit our web pages, and to Contact Us for a completely free consultation.
This content was written on behalf of Greg Prosmushkin.