Pennsylvania has very unique auto insurance laws. In an attempt to decrease the number of “pain and suffering lawsuits” in court, the state of Pennsylvania instituted two types of automobile insurance: full tort and limited tort. These two types of automobile insurance differ in the extent to which they allow you to sue another driver who injured you in a car accident.
Associated with higher insurance premiums, “Full Tort” automobile insurance gives the policy holder and his/her family an unrestricted right to seek financial compensation for injuries caused by another driver in a car accident. Under “Full Tort” auto insurance, you and the other members of your household can seek recovery for all medical expenses, out of pocket expenses, and pain and suffering associated with your injuries.
Associated with lower insurance premiums, “Limited Tort” automobile insurance restricts policy holders and their families from suing the driver responsible for a car accident in which they sustained injuries. With “Limited Tort” automobile insurance, you are still able to seek recovery for medical and out of pocket expenses, but you are not permitted to seek damages for pain and suffering, unless you have sustained a “serious injury.” To learn more about limited torts, click here.
If you have Full Tort automobile insurance, contact OnlyWhenYouWin for a free consultation. Know your rights and your options.
If you have Limited Tort automobile insurance and have sustained injuries in a car accident, contact OnlyWhenYouWin. We have a significant amount of experience navigating complex limited tort situations. Our reliable and knowledgeable team can help get you the money you deserve.
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