Below are a few key terms that you may be presented with when choosing or reviewing coverage options.
It is important to know, these are only a few of the options/terms on an auto policy. These options can help you in the unfortunate event you find yourself injured in an auto accident.
Full Tort and Limited Tort Coverage
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.
At Berger and Green, we strongly recommend that you choose the full tort coverage.
Personal Injury Protection Coverage
You can use your personal injury protection coverage (PIP) to help cover the costly medical expenses and lost wages that can come with a hit and run accident.
Because PIP coverage is a requirement in Pennsylvania, you do not need to worry about whether you have this coverage. However, the minimum requirement is only $5,000. A minor injury can easily surpass these limits.
For a free legal consultation, call 412-661-1400
Uninsured Motorist Coverage
Unlike PIP, uninsured motorist (UM) coverage is not a requirement for drivers in the state of Pennsylvania. However, in the event of a hit and run, it could be a primary source of recovery for injuries and damages to your vehicle.
Uninsured motorist coverage can pay for your injuries and property damage against accidents caused by an uninsured driver. However, when officers cannot find a driver, your insurance will treat the situation the same as if the driver had no insurance.
If the police are able to locate the hit and run driver, you can file a personal injury claim against the at fault driver and recover compensation for your injuries, property damage, lost wages and pain and suffering.
Recovering compensation after an accident:
If you or a loved one were injured in an accident, contact the personal injury attorneys at Berger and Green. Our attorneys will provide you with a free no obligation consultation to evaluate your case. Call 412-661-1400 to speak with an attorney today.