What is Limited Tort Insurance?
Limited tort insurance is a car insurance option in Pennsylvania that prevents the injured party from filing a personal injury claim against the at-fault party for pain and suffering.
According to the Insurance Information Institute (III), limited tort insurance allows policyholders “to save on their premiums by agreeing to limit their right to sue for non-economic damages, except in cases of serious injury.” As such, it restricts the ability of a policy holder to seek compensation for non-economic damages, like pain and suffering. For example, if Sandra has a limited tort insurance, and is in a car accident, she can only sue the person who injures her for her injuries and the car, not any emotional distress.
Limited tort insurance allows for cost savings with lower premiums compared to full tort insurance because they agree to limit their rights to sue for non-economic damages, while still allowing an injured party to sue for economic damages. However, this restricts compensation for the policyholder. Understanding limited tort insurance is essential for drivers evaluating their auto insurance options. It involves balancing the benefits of lower premiums against the potential limitations in legal recourse for non-economic damages, requiring careful consideration of individual risk tolerance and financial protection needs. Legal professionals and insurance agents can provide guidance to help policyholders make informed decisions about their coverage choices.
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King of Prussia Car Accident Lawyer
The King of Prussia car accident lawyers at Munley Law understand how a serious automobile accident can disrupt your life and overwhelm you. Since 1959, our legal team has helped injured individuals throughout Montgomery County with personal injury cases and fought to receive maximum compensation.
The King of Prussia area presents unique challenges for drivers, from heavy mall traffic to dangerous highway merges on I-76 and US-202. Our experienced car accident lawyers understand the local region and know how to build the strongest possible cases for our clients.
Contact us today for a free consultation to discuss your rights and options after a car accident in King of Prussia. We are available 24/7 to take your call and begin protecting your interests.
Why Choose Munley Law’s Car Accident Attorneys in King of Prussia?
Experience and proven results matter when choosing a car accident lawyer in King of Prussia. […]
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Personal Injury Glossary Terms
This glossary provides a quick-access resource for looking up definitions of terms you will likely encounter while seeking compensation.
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W
A
Accident Report — A detailed official record of an incident created on-site by an authority figure such as a police officer or hospital staff member.
Act of God — An unforeseen event caused by natural forces without human involvement that couldn’t have been prevented with reasonable care, […]
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Bloomsburg Pedestrian Accident Lawyer
Pedestrian accidents are among the most damaging and deadly types of vehicle crashes. If you were involved in a pedestrian accident in Bloomsburg, the driver who hit you must be held accountable for the harm they caused. However, it can be difficult to obtain full, fair reimbursement for your economic and non-economic losses without the help of an attorney. An experienced Bloomsburg pedestrian accident lawyer can help you recover the compensation you need to cover your medical expenses and other losses and make you whole again.
Contact Munley Law Personal Injury Attorneys today for a free case review. We will hear your story, answer your questions, and advise you on the next steps – all free of charge. Should you choose to move forward with legal action, we can begin working right away to preserve critical evidence and get you the help you need as fast as possible. […]
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Pittsburgh Drunk Driving Accident Lawyer
Were you hit by a drunk driver in Pittsburgh?
Alcohol is a factor in many of the worst car accidents that happen in and around Pittsburgh. When people choose to drive drunk, they recklessly put innocent lives in peril. Drunk driving accidents can result in serious injuries and loss of life.
If you were hit by a drunk driver in Pittsburgh, you may be facing steep medical bills, loss of income, and uncertainty about the future. The good news is that the law is on your side. Still, many car accident victims never receive the full amount of compensation they are owed because insurance companies settle their claims for less. A Pittsburgh drunk driving accident attorney at Munley Law can ensure you receive every dollar you need to make a full recovery and hold the other driver accountable.
Contact a Pittsburgh auto injury lawyer at Munley Law today for a free, […]
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Is Pennsylvania an At-Fault State?
Who Will Pay My Insurance Claim After a Car Accident in Pennsylvania?
All car accidents are, without a doubt, stressful experiences. Even once the initial shock has warn off, you still have so much to consider, including your physical, mental, and emotional recovery. There may be medical expenses and medical bills, property damage, and more. A car accident is not something anyone wants to endure.
Navigating the insurance process can be one of the most overwhelming parts of any car accident case. If you’ve never gone through the claims process before, it can be confusing; and even if you have, no two cases are alike. It’s not uncommon to start getting calls from the insurance company just a day after an accident.
One of the things that can make understanding the claims process so difficult is that it’s incredibly different from state to state. […]
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Philadelphia Drunk Driving Accident Lawyer
A Philadelphia Drunk Driving Accident Attorney Will Fight for the Injured
When someone chooses to drink and drive, they risk the lives of everyone around them. If you have been injured in a car accident with a drunk driver, the law is on your side. If you or a loved one has been injured in a Philadelphia drunk driving accident, it’s important to seek legal advice to ensure you receive fair compensation for your losses.
At Munley Law Personal Injury Attorneys, our experienced legal team is committed to providing you with the dedicated legal representation and compassionate guidance you need during this difficult time. With decades of combined experience and a thorough understanding of Pennsylvania drunk driving laws, our Philadelphia drunk driving accident lawyers have the resources and knowledge to fight for your rights and get you the best possible outcome. […]
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Multi-Vehicle Accident Lawyer
Multi-vehicle accidents, also known as pile-ups or chain reaction crashes, can be extremely destructive, traumatic events. Getting into a car accident with another driver is always stressful and a scary experience. But an accident involving multiple cars, trucks, or buses can be especially devastating. These types of accidents can cause serious damage, life-threatening injuries, and lasting trauma. What’s more, they tend to be legally complex, and present unique challenges when it comes to determining liability. In order to receive fair compensation for your injuries, you will need a highly skilled car accident lawyer with experience handling multi-vehicle car accident cases.
Whether you were in a three-vehicle crash on a city street or a massive pileup on the highway, an experienced car accident attorney at Munley Law Personal Injury Attorneys is ready to help you with your claim. For more than 60 years, the multi-vehicle accident lawyers at Munley Law Personal Injury Attorneys have helped people with the most complicated car accident claims. […]
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How Much Can Someone Sue for a Car Accident?
In general, there is no limit to how much you can sue someone for a car accident. However, there are factors that may limit how much compensation you will recover in a lawsuit. Things like the severity of the injuries, the extent of the other party’s negligence and the coverage of insurance policies will all limit what you can recover.
How Much Can a Car Accident Victim Sue For?
Car accident victims can sue for economic and noneconomic damages depending on the severity of the wreck. The only way to really maximize the total compensation a victim may be awarded is by utilizing the legal representation of a car accident lawyer.
Potential compensation a car accident victim may be awarded include:
- Medical expenses
- Lost wages
- Diminished earning capacity
- Property damage
- Pain and suffering
- Loss of consortium
- Wrongful death
What will be awarded will also depend on the severity of the crash. […]
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What Are the Chances of Winning a Personal Injury Lawsuit?
When you are hurt in an accident because of the negligence of another, your first instinct may be to just let it go. After such a traumatic experience, it’s easy to want to push past it and move forward. However, other people may see this traumatic experience and immediately think the right move is to sue in a personal injury lawsuit.
But what are the chances of winning a personal injury lawsuit? While no personal injury attorney can guarantee an outcome for your claim or case, working with a reputable law firm can help you win your claim and secure the compensation you need to move forward.
When Can You Sue For a Personal Injury?
There are many accidents that may result in needing to file a personal injury claim or lawsuit to recover the compensation needed to deal with your injuries and financial losses. […]
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What If I Get Into a Car Accident and I Don’t Have Insurance?
Car accidents are unfortunately much more common than one might think. According to the Pennsylvania Department of Transportation, in 2020 there were 104,475 reportable traffic crashes in Pennsylvania. This means that roughly one in every 57 Pennsylvania residents was involved in a reportable accident.
If you or a loved one was involved in a crash, you may benefit from seeking out an experienced car accident lawyer. The car accident attorneys at Munley Law Personal Injury Attorneys can help. Contact us today for a free consultation to discuss the specifics of your case.
Minimum Car Accident Insurance Required in Pennsylvania
Pennsylvania law requires motorists to have both a drivers’ license and vehicle liability insurance before getting behind the wheel, according to Pennsylvania DOT Driver & Vehicle Services. Vehicle liability insurance covers medical expenses, lost wages, […]
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Is It Worth Getting a Lawyer for a Car Accident in Philadelphia?
Determining When To Speak to a Car Accident Lawyer
Car accident cases can be complicated. From dealing with the insurance companies to determining fault, most car accident victims don’t know where to begin. Car accidents in Philadelphia also have certain dates to meet under Pennsylvania law. If you want to file a car accident claim, you should not delay.
While not all car accidents require the aid of a Philadelphia car accident lawyer, in many car accidents, it is worth seeking legal advice.
Learn more about the situations in which a car accident may require an experienced car accident lawyer.
Questions For Philadelphia Car Accident Lawyers
It is normal after an auto accident to have multiple questions. For starters, what do I do now? Following a car accident, you’ll want to do the following:
- Go to a safe location off the road if possible. […]
