Some of our clients and prospective clients who have been in auto accidents tell us they have "full coverage." Unfortunately, they might have a limited tort policy in Pennsylvania and New Jersey. It's important to understand the difference between tort and limited tort insurance. They are very different types of insurance.
Limited tort is the required minimum. We recommend you carry full tort insurance. If you think you have "full coverage" under a limited tort policy, your claim may be severely limited. With limited tort insurance, you may have a hard time getting your medical bills paid.
Full tort insurance allows you and other household members covered to seek recovery for all unpaid out-of-pocket medical expenses. You may also seek financial compensation for suffering or other non-monetary damages as a result of a drivers' negligence. Full tort coverage costs more than limited tort, but is crucial to protect your right to full compensation in an accident.
Full tort covers you for full injury compensation. This type of insurance allows you to sue for pain and suffering without any restrictions.
Limited tort insurance limits your right and the right of members of your household to seek financial compensation for injuries caused by other careless drivers. With this insurance, you and other household members covered may seek recovery for all unpaid medical and out-of-pocket expenses. However, you and other household members are not covered for pain and suffering or other non-monetary damages, unless the injuries suffered fall within the definition of "serious injury." Limited tort is less expensive than full tort and provides limited coverage in the event of an accident.
In our experience, full tort and limited tort insurance are two very different types of policies. Having one or the other could mean the difference between you getting full compensation or getting only a fraction of the money you deserve. We recommend you call your insurance company to switch to full tort if you are carrying limited tort insurance. You will be glad you did if you are in a car wreck, a truck accident or a motorcycle accident.
For skilled legal assistance, contact Flager & Yockey, P.C. An experienced accident attorney can assist you or your loved one with your case. We can help guide you, whether you have full tort or limited tort insurance. Remember, you don't pay us unless you win.
Call (215) 953-5200 or 1-888-470-1099 for your free personal injury consultation today.
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