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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Pennsylvania Bicycle Safety Laws
Pennsylvania Bicycle Laws: Everything You Should Know
Over the years, one of the biggest threats to public safety is road accidents. According to the Pennsylvania Department of Transportation (PennDOT) secretary, one life lost is one too many, and the organization is working towards zero deaths.
Sadly, however, the number of traffic accident fatalities remains startling. Though there was a record low of 1,059 deaths in 2019, the number rose to 1,129. Among the most vulnerable to such crashes are cyclists.
Though there was a decrease in bicyclist injuries from 1,003 in 2019 to 799 in 2020, the number of fatalities rose from 16 to 22. For the lucky ones, they walk away from such incidents with minor injuries. But for some, it’s not the case.
Due to the evident disadvantage cyclists have, a bicycle crash with a vehicle can result in severe injuries. […]
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Car Accidents and Insurance Coverage
Car Accidents and Insurance Coverage
The moments after you’ve been injured in a car accident can be the scariest of your life. Your first concern will be getting treatment for your injuries or your loved ones. Then, you will have to deal with your auto insurance.
You’ll want to be prepared on what kind of car and personal injury insurance you have, and what to do when insurance companies come calling. In Pennsylvania, insurance companies are trained to limit the liability they will pay. It’s important you have the representation on your side to fight for what you deserve.
Just last year, almost 300,000 Pennsylvanians crashed, according to the Pennsylvania Department of Transportation‘s (PennDOT) annual Crash Facts and Statistics Report. The lawyers at Munley Law Personal Injury Attorneys have been representing car accident victims across Pennsylvania for more than 60 years. […]
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