Full Tort Lawyer Philadelphia

You are in a Car Accident which is not your fault. The other driver simply rear-ended your car, and now you are hurt. What is the next step? Initially, you need to set up your claims with your insurance company as well as that of the person who hit you. Then can you begin to visit physical therapy and doctors to find a cure for the pain you are in. In Pennsylvania, medical bills are paid for by your own insurance company, regardless of who is at fault. Your insurance governs the payment of medical bills. In the event that the other vehicle has no insurance, then your policy would pay your claim if, and only if, you have uninsured motorist coverage. In the event that there is insurance coverage on the other car, but not enough coverage to cover all the damages you sustained, you would instead need to seek payment under the under-insured motorist coverage. However, the most important issue that most insured drivers in Pennsylvania face is the question of whether they have limited tort or full tort on their policy. Most prospective clients who come to our office are amazed that they chose limited tort on their policy.

Most have no memory of signing an election stating that they were informed of the difference between limited tort and full tort. In fact, what happens is that your agent explains the difference as follows – “In Pennsylvania, you have to elect a tort option. Limited Tort is cheaper than Full Tort. The only difference between the two is that by electing limited tort, you are agreeing that you will not make a claim for personal injuries unless your injuries amount to a serious impairment of a bodily function. Disguising this limitation, insurers will tend to simply ask: “You do not want to make a claim unless you have a serious injury, right?” To this question, most people will respond “Yes, I do not want to make a claim unless I think it is serious.”

Now these same people who said yes sit in our office wondering why they have limited tort, and many ask “well, my injuries are serious, so why can’t I make a claim?” Here is the truth. When you elect limited tort, you do not get the benefit of deciding whether you have serious injuries. The insurance company that you are making the claim against is the one that will determine whether your injuries are serious, not you. At The Law Offices of Greg Prosmushkin, P.C., our lawyers are faced with this problem on a daily basis. If you or a loved one has a question regarding the difference between limited tort and full tort, call the office today for a free consultation.

Why Should I Choose Full Tort on My Policy?

When purchasing your auto insurance, you must not consider only the price of the coverage, but also your rights and the rights of members of your family in the event of a car accident with injury. In Pennsylvania, you are given the opportunity to choose between “limited tort or full tort.” When a client comes into our office with a potential personal injury claim involving a car accident, many times one of the first questions we will ask is whether the person has full tort or limited tort insurance coverage. What does that exactly mean? How will this decision affect both you and your family in the event you are in a car accident?

The reason is simple. With Full Tort, no one can tell you that the law bars your ability to make a claim. It is totally within your control. Likewise, having full tort allows you to determine for yourself whether your injuries are serious or not. With it, you can choose to make a claim that would otherwise be denied if you had limited tort.

Philadelphia Full Tort Lawyer

Full Tort does not mean you have full coverage. When asked if you have full or limited tort, the answer is not “I have full coverage.” In fact, there is no such thing as full coverage at all. Limited and Full Tort means something only if you are making a claim, and that selection follows you no matter whose car you are in or whose fault the incident was.

At The Law Offices of Greg Prosmushkin, P.C., our lawyers, and staff will assist you in your claim. Call the offices today. The consultation is always free, and if we are hired, but do not recover money damages, you owe us nothing.

This content was written on behalf of Greg Prosmushkin.