In Pennsylvania, you have the option to select either full tort or limited tort on your auto insurance policy. Choosing full or limited tort is one of the most important decisions you can make when selecting an automobile insurance policy.
If full tort coverage is purchased, and you were injured in an accident, you have the right to make a claim for not only lost wages and medical expense reimbursement, but also for pain and suffering no matter how minor your injuries are.
If you choose limited tort and are involved in an accident, but do not sustain what is considered to be a serious injury, you will not be eligible for pain and suffering damages. There are, however, exceptions to this law including: the driver who caused the accident is found guilty of driving under the influence or the driver who caused the accident was driving an out of state vehicle.
If limited tort coverage is purchased, you will have a slightly reduced automobile insurance premium but you will also give up your right to make a claim for pain and suffering damages. That is unless you have sustained a serious injury which is defined as death, dismemberment, disfigurement or the permanent impairment of a bodily function.
At Berger and Green, we strongly recommend that you choose the full tort coverage option on your policy. When choosing limited tort in order to save on your insurance premium, you are giving up the right to decide whether your injury is significant enough to make a claim against the at fault party for pain and suffering. It is also important to know that if you select limited tort, this decision affects not only you, but also your spouse, children and other relatives you live with.
If you or someone you know have been injured in an accident and have questions regarding making a claim, contact the personal injury attorneys at Berger and Green for a free no obligation consultation.