Philadelphia’s Best Injury Discusses Limited Tort Limitations
When purchasing car insurance for a vehicle in the state of Pennsylvania, drivers have to choose between Limited or Full Tort coverage on their policy. A full tort policy allows the victim of an accident to sue in court for all damages, including pain and suffering, while a limited tort provision “limits” what losses can be recovered after an accident.
This distinction between limited and full insurance coverage was created to cut down on the number of pain and suffering cases in the Pennsylvania court system. It has the added effect of reducing insurance premiums in the state because insurance companies have to pay fewer damages annually.
Unfortunately for many drivers, the implications of this decision are not always clear. Specifically, how limited tort can prevent you from recovering certain damages, even after you’ve been involved in a serious accident that leaves you or a family member injured.
Top Rated PA Injury Lawyers Talk About the Difference Between Limited Tort and Full Tort
Essentially, limited tort limits your right to sue, and full tort does not. However, there are other differences between these two types of car insurance policies in Pennsylvania. For example, limited tort insurance costs less, regarding what you pay for the premium. In fact, a limited tort plan can save 15% annually on insurance, compared to a full tort policy.
While it may seem nice to save a few dollars each month on your insurance bill, it may feel decidedly less so if you are in an accident and realize you can’t recover for your pain and suffering or any other noneconomic losses resulting from the incident.
If you have a limited tort provision and have been in an accident, you may only just be discovering the differences between limited tort and full tort. It can be a scary realization. However, there are possible exceptions to your limited tort provision or economic losses to recover that you aren’t aware of. That’s why getting help from the best limited tort attorney in Philadelphia is so important.
How Limited Tort Limits Your Rights and Why our Knowledgeable PA Tort Lawyers Can Help
The biggest way that a limited tort auto policy limits your rights is the inability to recover pain and suffering damages. Saving that 15% a year may seem nice, but you have to consider that amount of savings against the potential, long-lasting effects that a car accident can leave on a victim.
In some cases, a car crash can change a person’s mental and emotional stability for life; it isn’t just always scrapes and bruises, but also irreparable mental anguish. These emotional damages can manifest themselves in a variety of forms, like depression, high anxiety, fear of driving again and other ways. Sometimes these injuries don’t manifest themselves for weeks, months or years after an accident.
With a Pennsylvania limited tort provision, it will likely be left up to you (and your wallet) to handle the expenses incurred by trying to overcome these mental and emotional damages and any other noneconomic losses.
The “Serious Injury” Exception To Limited Tort Insurance In Pennsylvania and What Our Team of Premier Philadelphia Injury Attorneys Can Do
There are a number of exceptions to a limited tort provision, which allows you to ignore the limitations of limited tort and recover for pain and suffering and other damages that you normally would not be able to. Typical examples of these exceptions are if the at-fault driver is intoxicated, uninsured or from out-of-state. Alternatively, you can find an exception to limited tort if you are operating a commercial vehicle.
The other exception to your limited tort limitations is a “serious injury.” This can actually be misleading terminology. Some drivers, when choosing between limited or full tort, regard a serious injury as a broad, subjective term. Without reading accurately what a “serious injury” entails, regarding Pennsylvania auto insurance, they wrongly assume that if they are in an unfortunate accident, they will be fully covered.
In actuality, this “serious injury” terminology is very strict and limited to only the very worst types of injuries: death, disfigurement or impairment of a routine body function. Your accident could be extremely severe, leave you with multiple broken bones and a lifetime of emotional issues, but wouldn’t qualify you for an exception to your limited tort.
You Won’t Be Told There Are Exceptions To The Limitations Of Your Limited Tort Policy without the Best PA Injury Lawyers on Your Side
Every accident is unique and can involve a number of different variables and conditions. Some of these can qualify you for an exception to your limited tort coverage. However, it’s typically up to the victim to identify this exception because the insurance company of the at-fault party will not mention it.
Insurance companies are in the business of paying out as little as possible in damages. If you are restricted by the limitations of your limited tort policy, this is good news for them because they do not have to pay any noneconomic losses. Thus, if you do qualify for an exception that would grant you the opportunity to recover more, they are going to be the last party to point it out.
A premier Philadelphia accident lawyer that specializes in limited tort law will be able to recognize if there is an exception to the limitations of your car insurance policy. If there is an aspect of your case that does qualify for one of these exceptions, they’ll help you pursue it. This includes making sure the at-fault insurance company recognizes and accepts the exception condition to your limited tort policy and pays you for your noneconomic, pain and suffering damages.
The Value Of Having The Best Limited Tort Lawyer In Philadelphia
Understanding when there are exceptions to your limited tort coverage or how these limitations will affect your case is important, which is why having a top limited tort accident lawyer on your side is so crucial. The skilled team at the Law Offices of Joel J. Kofsky will work alongside you to help you understand the limitations of your limited tort policy and what damages can be recovered.
The value of this level of knowledge and experience is unmatched, especially if your unique scenario doesn’t qualify you for any exceptions to your limited tort limitations. Since you can’t recover for pain and suffering, you want to ensure that you collect compensation for any and all economic losses.
Despite these limitations, we’ll work alongside you to protect your rights and improve the chances of having a successful and hassle-free claims process. Having an excellent PA limited tort attorney on your side means you don’t have to face the stress of your case alone. For those people that can be quickly overwhelmed, this benefit is invaluable.
What The Top Limited Tort Attorney in Philadelphia Costs
Some accident victims with limited tort coverage are afraid to seek the right legal solution because they are afraid of the costs, especially with the fear that they may not be able to recover for pain and suffering looming over them. This is why the greatest limited tort attorneys in Philadelphia, like the Law Offices of Joel J. Kofsky, know that having a no-risk pay structure is essential.
You can receive a consultation session from one of our top accident lawyers specializing in limited tort for absolutely no cost. During that meeting, we’ll take a look at the unique details of your accident case and determine whether or not we think you qualify for an exception to the limitations of your tort provision. If it doesn’t, we’ll still work with you to ensure that you recover for all relevant economic losses.
Not only is the consultation free, but if you choose one of our premier injury attorneys to represent you, you won’t pay anything unless we win your case and recover the damages you are owed. At the Law Offices of Joel J. Kofsky, we believe that we shouldn’t receive any compensation until you have been paid. There is no risk and no need to stress about cost, as the victim of an accident, you have enough of that already.
Contact The Best Limited Tort Lawyer In Philly Today
Thanks to this no-risk pay structure, there is zero reason to hesitate in contacting us. The Law Offices of Joel J. Kofsky can be reached at 215-735-4800. We’ll work within your schedule to find a convenient time to set up your free consultation appointment. If you are in the hospital or bedridden at home, as a result of your accident, we’ll come to you.
After evaluating the unique aspects of your case, we’ll let you know how we feel your case will play out. If we believe it can be won and there are damages to be recovered which you may not receive without our help, we’ll immediately begin working on creating the foundation for your claim.
Being the victim of a car accident is a stressful, scary and painful experience. The magnitude of this stress and fear is likely to increase when you realize that the limitations of your car insurance policy may prevent you from recovering damages you feel you are owed. Instead of facing this stress and fear alone, allow the Law Offices of Joel J. Kofsky to help. Together, we’ll work towards identifying any exceptions to your limited tort provision and how we can maximize the damages you recover from the at-fault party.