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Non-Private Passenger Vehicle Exception To Limited Tort Insurance


Hi, I’m Jon Ostroff. Thanks for visiting ostrofflaw.com. We’ve talked in another video about the non-private passenger vehicle exception to limited tort and I wanna expand on that a little bit.

As I said in the other video, if you’re on a bus, on a truck, a pedestrian, you’re on a motorcycle, you’re not gonna be treated as if you’re limited tort. It’s as if you choose full tort. But there’re some other important exceptions you need to know about that involve Uber of Lyft or being in a cab, or even now Grubhub, if you’re a driver for Grubhub. Those do not count as private passenger vehicles.

So, if you are in one of those vehicles; an Uber, a Lyft, you’re delivering food for Grubhub, or you’re in a cab, you have an exception to limited tort. If you’re injured, you’re gonna be treated as if you’re not limited tort. So keep that in mind if you’re the victim of a crash, whether the driver of the vehicle you’re in caused it or someone else caused it, you’re entitled to a recovery if you were injured. Thanks.

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