What is Limited Tort?

You think your injury is serious, but will the court?

The answer to that question is important to your Pennsylvania car accident recovery if you are covered by limited tort insurance.  Generally, those covered by limited tort insurance are not entitled to damages for pain and suffering when they are injured in a car accident.

However, if you, together with your PA limited tort lawyer, can prove that you suffered a serious impairment to a significant bodily function then you may be entitled to damages for your pain and suffering.  As the language of the exception suggests by the use of the words “serious” and “significant”, not every injury will qualify for this exception.Read More

As you struggle with the physical pain and practical problems of being injured in a Pennsylvania car accident, you may be alarmed to find out that you have limited tort insurance. The insurance adjuster who contacts you may explain that you are only entitled to damages for non-economic damages such as pain and suffering if you have suffered a serious injury. Technically, this is true.

However, what the insurance adjuster is unlikely to tell you is that the Pennsylvania courts haven’t always agreed on what the phrase “serious injury” means. Instead, the insurance adjuster may try to convince you that only the most serious injuries entitle you to compensation.Read More

We don’t deny it.  In many cases, Pennsylvania car accident victims have to fight harder and more aggressively for limited tort settlements than they do for full tort settlements.  Insurance companies often want to use limited tort as an excuse to deny fair and just settlements.  They expect that accident victims, and many of their attorneys, will accept that limited tort means limited payment.

We don’t accept that.  We believe that you deserve the help of a limited tort lawyer who will zealously advocate for your full and complete recovery as permitted by Pennsylvania law. Read More

What Pennsylvania Drivers Need to Know

Pennsylvania drivers have choices when it comes to car insurance.  Drivers may choose to purchase full tort insurance which may provide them with a financial recovery for all damages from a car accident, including pain and suffering.  In the alternative, Pa. drivers may decide to purchase limited tort coverage, which only allows for the recovery of pain and suffering damages in certain situations.Read More

Pennsylvania is one of only a handful of states that force their insured drivers to choose between “limited tort” and “full tort” car insurance.

When you purchase car insurance in Pennsylvania, your decision whether to choose limited tort or full tort coverage is an important decision that you need to make. Choosing limited tort car insurance coverage can affect every member of your household.Read More

You were injured in a Pennsylvania accident and you have limited tort insurance. That is about all that is agreed upon by you and the insurance adjuster assigned to your case. The insurance adjuster is arguing that you are not entitled to a recovery because of the limited tort insurance, but you think otherwise. The first attorney you talked to seemed to agree with the insurance adjuster, but you still aren’t convinced.Read More