What is Full Tort Insurance?
Full tort insurance is an auto insurance option in Pennsylvania that allows the injured party to file a personal injury lawsuit against the at-fault party for pain and suffering damages.
According to the Pennsylvania Insurance Department, full tort insurance “Provides unrestricted rights to bring a lawsuit against a negligent party and seek full compensation for all damages, including pain and suffering, without limitation.” Full tort insurance coverage is comprehensive in nature, granting policyholders extensive legal rights in the event of an accident. Unlike limited tort insurance, which restricts the ability to recover non-economic damages unless the injuries meet a certain severity threshold, full tort insurance provides broader legal recourse for the insured to include non-economic harms that may not be covered under limited tort insurance, such as emotional or psychological distress.
For example, if a driver with full tort coverage is involved in a collision caused by another driver’s negligence, they can sue for all damages, including those for emotional and psychological impact, not just medical expenses and lost wages. The benefits of full tort insurance include the ability to seek complete compensation for all damages suffered, which can be important for individuals facing significant pain and suffering or emotional distress after an accident. However, there are potential detriments, such as higher insurance premiums compared to limited tort coverage and the possibility of lengthy and complex legal processes when pursuing a lawsuit.
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Can a Passenger Sue Both Drivers After a Car Accident?
You can file an insurance claim or lawsuit to pursue compensation for medical bills, lost wages, and related losses when you’re hurt in a car accident while driving in Pennsylvania. The exact type of claim you file depends on your insurance coverage.
However, you don’t have to be driving to be hurt in an auto wreck. Maybe you’ve been injured as a passenger in a car accident.
This can already complicate matters, as you might not know whose insurance company (if any) is responsible for compensating you now. The case may be even more complex if multiple drivers contributed to the accident.
Determining liability is very important in these cases. For a passenger to receive the full amount of compensation available, they may need to file claims with multiple insurance companies or liable parties.
We at Munley Law can help in this unique situation. […]
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How to File a Truck Accident Lawsuit
Every time we get in our car, whether we’re going to work, to pick up the kids, to dinner, or anything in between, we expect to arrive safely at our destination. Most of the time, this is exactly what happens. But the devastating truth is that car accidents are a very real risk any time you’re on the road.
While all accidents are terrifying, accidents involving trucks and other commercial motor vehicles are particularly dangerous. A truck accident is likely to cause far more damage and more serious injuries than most other kinds of motor vehicle accidents, given the size and weight of something like a semi-truck. It’s not uncommon for victims to endure something as serious as a traumatic brain injury.
Accidents involving large trucks can be life-changing events for all those involved, and in most cases, the inhabitants of passenger vehicles are the ones who bear the brunt of the damage. […]
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