What Car Insurance Coverages Provide the Best Protection?

Hint… Limited Tort Leaves Your Rights Limited As Well

What Is My Car Accident Case Worth?

There are many factors that a car accident lawyers will need to analyze to determine what your case is worth. The best place to start is by calling the auto accident attorneys at RG Injury Law for a free consultation. In the meantime, here is a list of 10 factors that will be looked at to determine the fair compensation for your injury and damages:

  1. The diagnosed injuries from the accident;
  2. The medical treatment and evaluation necessary to treat the diagnosed injuries;
  3. Past lost wages;
  4. Future lost wages;
  5. Pain and suffering involved with the injuries and treatment;
  6. Loss of enjoyment of life;
  7. Scarring or disfigurement;
  8. Past & Future Medical Expenses;
  9. Limited or Full Tort; and
  10. Punitive damages for a distracted, reckless, or impaired driver.

Do I have Limited or Full Tort Auto Insurance Coverage and why does that matter?

When I ask a client whether they have Full Tort car insurance, the most common response is that “we have full coverage.”

Full coverage usually means that people have collision and comprehensive coverage to protect their damaged car.

The tort option protects the people who are injured in a car accident.

Everyone in Lancaster and all of Pennsylvanians who have car insurance or are covered under a car insurance policy have either Full Tort or Limited Tort. Most people have no idea what these terms mean.

Before I started representing car accident victims more than fifteen years ago, I thought a tort was a dessert. Well, it is a dessert, but it is also a type of coverage under your car insurance.

If you or a family member chooses Limited Tort for your auto insurance, then you are giving up many rights that you may need in a car accident. My recommendation for your car insurance coverage is to opt for Full Tort so you are better protected in the event of a serious accident.

People injured in an auto accident who are stuck with Limited Tort are limited to only the economic or out of pocket damages. In far too many instances, a person’s losses after a car accident are mostly non-economic damages such as the loss of enjoyment of life or the pain associated with an injury and rehabilitation needed.

If you are covered by a Limited Tort insurance policy, there are several exceptions that would allow you switch to Full Tort and collect for all of your damages, including pain and suffering.

The four most common exceptions are:

  1. The vehicle that the negligent operator was driving at the time of the car accident was registered in a state other than Pennsylvania;
  2. To choose Limited Tort for car insurance, the person buying the insurance would have had to sign a form electing this coverage. If your auto insurance company cannot produce this signed form, then you would be considered as covered under Full Tort;
  3. The person who caused the accident pleads guilty to or is convicted or driving under the influence; or
  4. You sustained an injury that is considered a serious impairment of a bodily function.

Don’t wait until you have given up your rights to contact the attorneys at RG Injury Law to discuss whether these exceptions or any others may apply to your case if the insurance company is claiming that you have Limited Tort.

We encourage people who have been injured to reach out to our legal team and talk with our personal injury attorneys at no cost. We never pressure people to become clients, treat you with respect and compassion, and charge nothing to consult with our experienced attorneys. You’ll get our full attention and quick response throughout your case and pay no fee unless we recover money for you. Call Chad Rankin or Bill Gregory at 717.656.5000 as soon as possible after your injury occurs to ensure the highest compensation possible.

 

RG Injury Law Resource Center