Full Tort - Limited Tort Thresholds - Pennsylvania Attorney
Accident Injury Lawsuit Lawyer Lancaster PA
If you are injured in a car accident, your auto insurance policy should cover many of the costs of repair to property damaged, and costs of medical care for you and your passengers.
When you originally signed your insurance contract, you may have waived—or been encouraged to waive—"full tort" coverage. No one wants to read an insurance policy, with all the jargon and fine print. Most of us don't know what is covered or what the language means. You pay slightly less for "limited tort" coverage, but there are better ways to save premium dollars. For example, you can raise the deductible on collision and comprehensive coverage. You are better off spending your premium dollars to provide coverage for you and your family as opposed to having a lower deductible for property damage.
Under Pennsylvania law, your ability to obtain compensation for personal injury may be limited by your election of the limited tort option. As a limited tort claimant, you must suffer a "serious injury" to obtain compensation for non-economic damages such as pain and suffering. In determining whether an injury is "serious", the courts will look at the impact the injury has had on a person's activities of daily living. Often insurance companies will dispute the severity of the impact an injury has had on the life of a limited tort claimant. As a full tort claimant, there is no limitation on your ability to recover economic or non-economic damages that are related to an auto accident.
There are some situations where a limited tort claimant is able to make a claim for damages as if the full tort option applied. The insurance company for an at-fault driver will rarely tell an injured person that an exception applies that would allow limited tort claimant to make a claim as if the full tort option applied. Regardless what you think about your injury, or whether you believe you only have limited tort coverage—speak with us to understand your options.
Attorney Kent Mikus is certified as a Civil Trial Lawyer by the National Board of Legal Specialty Certification (NBLSC). The NBLSC is accredited by the American Bar Association and recognized by the Pennsylvania State Supreme Court. Kent Mikus is also listed in the Bar Register of Preeminent Lawyers.
The lawyers at Mikus Law Associates, P.C. have a combined 50 years of experience. We have the experience and ability to obtain the best outcome for your case.
For a free consultation with an experienced trial lawyer, contact Mikus Law Associates today or call us toll free at 1-888-893-9891. For your convenience, evening, weekend and off-site appointments are available.
