Limited Tort & Full Tort Option in Pennsylvania
Understanding the difference between Full Tort and Limited Tort Insurance in the Commonwealth of Pennsylvania: After you or a family member has been injured in a motor vehicle accident, and at the hands of a driver who was fault, it is only natural to assume that you can make a personal injury or pain and suffering claim. However, Pennsylvania, a "no-fault" state "allows" for you to opt out of an unlimited right (full tort) to make a pain and suffering claim, and agree to drastically limited (limited tort) your right to make a personal injury claim in exchange for a very modest decrease in your insurance premium.
It is important to understand the consequences of the Full Tort/Limited Tort Option. Do you have questions about the difference between Limited Tort and Full Tort coverage in Pennsylvania? Are you confused about the difference in "full coverage" and full tort? Get legal advise now. Contact the skilled Pennsylvania auto accident lawyers of Ciccarelli Law Offices to answer your questions and give you the legal advice you need.
Under Pennsylvania insurance law, when you purchase a contract of insurance from your agent, a decision needs to be made whether to obtain full tort coverage or limited tort coverage. All too often we have heard stories of victims in Pennsylvania being counseled by their agents to choose limited tort because "its cheaper" without explaining that a limited tort policy can impact your ability to make a claim for pain and suffering when you are a victim in an automobile or truck accident case.
More importantly, once you or your family has been the victim of a motor vehicle accident in Pennsylvania, your own insurance company may advise you that you can not make a pain and suffering claim because you have the limited tort option. Do not assume they are correct. Our lawyers have been successful in reversing a limited tort option where the insurance company illegally failed to provide proper notice to our clients and have them document their decision.
Limited Tort Exceptions
Even in cases where our clients have lawfully opted for limited tort insurance, we have been successful in establishing exceptions to Limited Tort and preceding with a personal injury claims, in cases where:
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Negligent driver was Drunk driving
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Negligent driver was an Out of state driver
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Our client was in a Commercial vehicle
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Our clients injuries were serious and/or permanent
Choose the skilled, experienced Personal Injury Lawyers of Ciccarelli Law Offices to handle your limited tort and full tort case. The Personal Injury Lawyers of Ciccarelli Law Offices are experienced on pursuing a pain and suffering claim even when you are impacted by Limited Tort and they know how to pursue the Limited Tort exceptions which are key to your claim.
FREE INITIAL CONSULTATION: Our law firm offers free initial consultations so we can evaluate your personal injury claim and advise you about your rights and options. Contact a West Chester Pennsylvania Personal Injury Lawyer. We accept personal injury cases on a contingency fee basis, charging no attorney's fee until we obtain compensation for you. To learn more about our personal injury practice, contact Ciccarelli Lawyers. Call us 24/7 (877) 846-1529.
