What is Limited Tort?

How to Know if You Have Suffered a Serious Impairment to a Significant Bodily Function

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

Is Your Injury Serious Enough to Qualify for a Pennsylvania Limited Tort Exception?

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

Will an Insurance Company Provide a Fair Settlement if I Have Limited Tort Coverage?

You understood what you were getting into when you purchased limited tort car insurance. You knew that your claims for pain and suffering may be denied unless you qualified for a limited tort exception. However, you also expected that your claims for medical expenses, lost income and other economic losses would be covered if you were hurt in an accident. That was the contract you entered when you signed the papers for limited tort coverage.

Now that you have been in an accident, however, the insurance company does not seem to want to honor that contract. They are pushing you to settle for less than your case is worth.Read More

Quick Course in Pennsylvania Limited Tort

The insurance adjuster, and perhaps another lawyer with whom you spoke, have scared you. They have made you believe that you will be unable to recover damages for the significant pain and suffering you are experiencing simply because you chose to purchase limited tort insurance.Read More

Why Limited Tort Does not Have to Mean Limited Recovery

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 PA Motorcyclists Should Know About Limited Tort in Pennsylvania

Riding a motorcycle is risky. If you are involved in an accident then you may sustain serious injuries because you lack the protective metal, airbags and other safety features that are common in passenger cars.

However, there is one risk that you may not have to take and that is the risk of getting a limited recovery due to limited tort insurance. Read More

Is a PA Limited Tort Settlement Possible?

If you have been injured in a Pennsylvania car accident and you have limited tort car insurance, your recovery may, or may not, be limited. Limited tort insurance allows you to recover the same damages for your economic losses, such as medical expenses and lost income, as full tort insurance. The difference comes in the potential recovery for non-economic damages such as pain and suffering. However, if your case qualifies for one of the limited tort exceptions that you can also recover the same non-economic damages as you would’ve been able to recover with full tort insurance.Read More

Full Tort vs Limited Tort

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

What Is Limited Tort?

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

Limited Tort May Not Mean What Your Insurance Adjuster Says it Means

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

Awards and Professional Recognition

Representing more than 25,000 clients during the past 25 years has given Jon Ostroff the knowledge and experience to win in the courtroom or settle an insurance claim for top dollar. The continuing recognition by the legal community, clients and high-profile publications and media (like CNN), is an indication of Jon’s commitment to excellence.

limited tort lawyers

Take a Step Toward Your Recovery Today

Ostroff Injury Law helps victims with limited tort still obtain damages to cover pain and suffering, medical bills, and other related expenses. Call our firm today at 800-818-8148 or fill out the form to the right if you need an attorney to fight for your rights after a vehicle accident.

As always, you pay nothing until your case settles.