There Are Exceptions to Limited Tort, but Don't Rely on These Alone for Protection

5. Along with serious injury, there are other exceptions to limited tort but relying on these exceptions alone to be compensated for your pain and suffering, in most cases, will not help you.

Sometimes even if you have limited tort you can still be considered full tort under the following scenarios:

1. If you have a serious injury.
2. If you were driving or were a passenger in a commercial vehicle.
3. If the person who caused the accident is accepted into the A.R.D. program or convicted of a D.U.I.
4. The person who caused the collision has a license plate from out of state.
5. You were a pedestrian when struck.

The best way to protect yourself in the event of an accident is to have the right amount of insurance coverage. Having an experienced attorney to help you through your claim will also protect you and your loved ones' interests.

The accident attorneys at The Pisanchyn Law Firm are experienced in handling all accident cases including the above mentioned. Please, call us as soon as you are the victim of another driver's negligence for a free consultation so we can help you.

Exceptions are not Guarantees

4. Insurance companies follow strict legal definitions of what serious injury really is, and even though there is a serious injury exception for limited tort, you still may not get compensation for your pain and suffering.

There are a few instances in which you could still make a claim for pain and suffering if you have limited tort on your policy. One of these exceptions is serious injury. There is a strict legal definition of what serious injury is and even though yours or a loved one's injury is severe, it may not qualify for the exception.

Relying on exceptions such as these is never a good idea as it's impossible to know what may happen if you or a loved one are ever in a severe accident. It's best to know that you are protected regardless of the circumstances and having full coverage, including full tort, can give you that peace of mind.

The accident attorneys at The Pisanchyn Law Firm want to be there for you through every step of your claim to help you get the compensation you deserve. Please call us as soon as you are the victim of another driver's negligence.

The Tort Coverage You Choose Could Affect Your Family, Too

3. Whatever option you choose, full tort or limited tort, it could affect your family, too.

If other family members live in your household and do not have an automobile insurance policy, they are considered to have the tort option the person with insurance has elected. For instance, if you have children and they are involved in an automobile accident, they are considered to the have the same tort option that you have.

The accident attorneys at The Pisanchyn Law Firm want to be there for you through every step of your claim to help you get the compensation you deserve. Please call us as soon as you are the victim of another driver's negligence.

Is Limited Tort Really Less Expensive?

2. People choose limited tort on their policy because it saves them a little money right now, but if you get in a bad accident it won’t save you anything; in fact you could cost you thousands.

Limited tort is often pushed by the insurance companies as being more attractive than full tort because it is less expensive; however, what the insurance company doesn’t tell you is that the savings is minimal and if you or a loved one is injured because of someone else’s negligence you have given up your right to make a claim for pain and suffering except under the few exceptions of limited tort.

What a lot of people don’t realize or think of when setting up their policy is an injury could last for quite some time causing many doctor’s visits, procedures, medications, and possibly even cost you your job if the injury prevents you from performing your duties. These expenses add up quickly and are only covered up to the amount you have selected for your wage loss and/or medical expenses. After those coverage expenses are exhausted any remaining bills or wage loss is no longer the responsibility of your insurance company.

In some cases you can make a claim for pain and suffering to cover these unexpected expenses, but in most cases you can only do this if you have full tort on your policy. This is why it is not only a good idea to have full tort on your policy, but also the reason not having full tort can cost you thousands.

The accident attorneys at The Pisanchyn Law Firm want to be there for you through every step of your claim to help you get the compensation you deserve. Please call us as soon as you are the victim of another driver's negligence.

Do You Know the Difference?

1. It’s common for us to ask if you have full tort on your insurance policy and many times people will respond with, “I have full coverage.” Full coverage and full tort are not one in the same.

Normally, full coverage means you have all the state required liability options, as well as collision and comprehensive on your policy. While you do have to pick a tort coverage, full or limited, full tort is not required in Pennsylvania. This means if you have all the required liability options, collision, and comprehensive, but selected limited tort, you can not get compensation for pain and suffering.

What does compensation for pain and suffering mean exactly? Sometimes an injury is severe and will last for many months or even years causing you medical treatment for months or years to come. By choosing full tort you can protect yourself in the event of a long lasting injury that is caused by the negligence of another.

As we've mentioned before it's smart to think of 'what if' scenarios when setting up your insurance policy.

The accident attorneys at The Pisanchyn Law Firm want to be there for you through every step of your claim to help you get the compensation you deserve. Please call us as soon as you are the victim of another driver's negligence. For more information on Auto Insurance and to ensure you and your family truly are, "fully covered," visit our website.

The Truths about Tort Coverage (full and limited)

Here at The Pisanchyn Law Firm we think it's important to educate our friends, families, and clients on our different areas of practice. Each week we compile a list of important facts that most people don't know, and as a result, could harm them or their claim. As the week goes on we share more information on each fact.

1. It’s common for us to ask if you have full tort on your insurance policy and many times people will respond with, “I have full coverage.” Full coverage and full tort are not one in the same.
2. People choose limited tort on their policy because it saves them a little money right now, but if you get in a bad accident it won’t save you anything; in fact you could cost you thousands.
3. Whatever option you choose, full tort or limited tort, could affect your family, too.
4. Insurance companies have strict definitions of what serious injury really is, and even though there is a serious injury exception for limited tort, you still may not get compensation for your pain and suffering.
5. Along with serious injury, there are other exceptions to limited tort but relying on these exceptions alone to be compensated for your pain and suffering, in most cases, will not help you.

Is there a particular practice area you'd like to know more about? Let us know! We are always looking for ways to help our clients, friends, families, and acquaintances and with your feedback we can get you the information you need. Comment on this post, send us a message on Facebook or Twitter, or email us at newsletter@pisanchyn.com with any suggestions or topics you'd like to know more about.

Do You Know When Your Insurance Premium Can be Increased?

5. If you're worried your insurance premium will be increased after you report a claim, don't be. The insurance company can only increase your premium for one reason.

An insurance company can only increase your insurance premium based on "risk." If an accident is more than 50% your fault then you are more at "risk" and only then can the insurance company raise your premium. If you are the victim of another driver's negligence your premium can not be increased.

The accident attorneys at The Pisanchyn Law Firm want to be there for you through every step of your claim to help you get the compensation you deserve. Please call us as soon as you are the victim of another driver's negligence. For more information on Auto Insurance and to ensure you and your family truly are, "fully covered," visit our website.