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Greg Prosmushkin

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 lawyer and you for the first time learn that you elected Limited Tort on your insurance policy. Your lawyer 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, PC. 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 think it is serious then you have to document the injury and the treatment very carefully. Insurance companies that the claim is made against routinely deny payment for your pain and suffering based upon 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:

  • Death
  • Disfigurement
  • Scarring
  • DUI Defendant
  • No valid election waivers
  • Out of state registered vehicle
  • Pedestrian
  • You are driving a car that you do not own.

Turning to the valid election waivers, what is that? 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 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 very successful in reforming policies to allow the client to enjoy Full tort status. At the Law Offices of Greg Prosmushkin, PC, our Car Accident Attorney is trained to look for insurance policy discrepancies. Examples of just a few 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, PC, we invite you to visit our web pages and call us for a completely free consultation.

This content was written on behalf of Greg Prosmushkin.