In the state of Pennsylvania, you have a few choices when you purchase car insurance. Car owners can pay for full tort insurance coverage or limited tort insurance coverage. People often choose the latter as a means of saving a certain percentage on insurance premiums, but selecting limited tort insurance could seriously hinder your financial recovery if you are later injured in a wreck.
A Quakertown limited tort lawyer can explain your best legal options if you have been injured in a recent auto accident and previously purchased limited tort coverage for your vehicle. Our car crash attorneys can review the facts and circumstances of your case to identify any available compensation you may be able to claim and what exceptions to the limited tort rule could apply to your case.
Overview of Limited Tort Claims
When it comes to choosing full tort or limited tort insurance, price is likely the key motivator behind the policy you select. Generally speaking, choosing limited tort over full tort insurance could save you about 15% on your monthly premiums. However, the difference in the amount of money you are entitled to recover if you are later injured in a car accident can be far more substantial, depending on whether you have full tort or limited tort car insurance.
While you can claim compensation for both economic and non-economic damages if you are injured in a car wreck and have full tort coverage, limited tort coverage can prevent you from collecting non-economic damages unless specific exceptions apply to your case. Non-economic damages are losses that do not have a set dollar value. Common examples of non-economic damages include, but are not limited to, pain, suffering, emotional distress, mental anguish, and loss of life’s pleasures.
Economic damages refer to costs like medical bills, lost wages, and property damage sustained as the result of an auto accident. Non-economic damages can be just as important to your recovery as the economic damages you sustain in a serious collision. There are some notable exceptions to the limited tort rule, so it is wise to consult with a Quakertown lawyer as soon as possible when you have suffered injuries in a recent wreck, regardless of the type of insurance you purchased beforehand.
What to Do After an Accident If You Have Limited Tort Coverage
Even if you have limited tort insurance and were injured in an auto accident, you need to speak with a Quakertown attorney right away who can review your potential claim. Our lawyers can identify what exceptions may apply to your case and what recourse you might have to claim maximum compensation.
For example, if you suffered a serious injury that resulted in permanent disfigurement or impairment, you may be able to claim non-economic damages even if you have limited tort coverage. Limited tort policyholders injured by a driver who intended to harm them, was driving drunk, or was driving an out-of-state vehicle can be entitled to non-economic damages as well.
The law also provides exceptions to the limited tort rule in circumstances where the person was injured because of a vehicle defect, was a passenger in certain types of vehicles, or was a pedestrian or bicyclist at the time of the accident. Our attorneys can look over the terms of your policy and comb through the details of the accident. We can determine who is liable for your injuries and gather the evidence required to construct a strong case for compensation.
Reach Out to a Quakertown Limited Tort Attorney for Legal Assistance
Just because you purchased limited tort car insurance before your accident does not mean you have to settle for less than the full amount of compensation owed to you. Our Quakertown limited tort lawyers can deal with the insurance company on your behalf so you can focus on your recovery process.
Our attorneys can defend your rights from day one while pushing back against the tactics that insurance companies use to try to devalue your injury claim. Reach out to our office today to get more information about filing an injury claim for your recent auto accident. You won’t owe us anything until we win the compensation you deserve.