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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Hazleton Car Accident Lawyer
If you or someone you love suffered a serious injury in a car crash in Hazleton, don’t settle with the insurance company before speaking with a Hazleton car accident attorney at Munley Law. At Munley Law, we understand your concerns when you’ve been involved in a car crash. You may face unpaid medical bills, physical pain, emotional trauma, and an inability to work. Since 1959, we have represented hundreds of auto accident victims throughout Luzerne County. We have won multimillion-dollar settlements for injured car accident victims across our area.
If you were hurt in a car wreck and are unsure what to do next, call our Hazleton office for a free consultation with a car crash attorney. We will answer your questions free of charge and help you decide what to do next. We are available to speak with you any time of the day or night. […]
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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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What Is Full Tort vs. Limited Tort in Pennsylvania?
Full Tort vs. Limited Tort in Pennsylvania
Some states, including Pennsylvania, give two coverage options when choosing car insurance policies. This ensures a person chooses a policy that best fits their needs. The two coverage options given in Pennsylvania are limited tort — which restricts the compensation a person can get from a case — and full tort — which puts no restrictions on the compensation.
When choosing limited tort vs. full tort coverage, knowing the difference between the two is essential to make sure you choose the best fit. Here are the differences between full tort and limited tort coverage in Pennsylvania.
What Is Pennsylvania’s Tort Insurance?
Simply put, Pennsylvania’s tort insurance allows the injury victim to be compensated following a car accident in Pennsylvania. Pennsylvania is a “choice no-fault” insurance state. This means the driver is given the choice of either a no-fault insurance policy or an at-fault insurance policy. […]
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Pittsburgh Car Accident Lawyer
If you were injured in a Pittsburgh car crash, it’s time to take action
See what Pittsburgh car accident lawyers at Munley Law can do for you
Located in the western part of Pennsylvania, Pittsburgh is a vibrant city known for its rich history, stunning architecture, and thriving sports culture. Unfortunately, amid the bustling streets and highways, car accidents can occur, causing severe injuries, emotional distress, and financial burdens. When faced with the aftermath of a car accident, it’s crucial to have a skilled Pittsburgh personal injury lawyer by your side to protect your rights and advocate for your best interests.
This is where Munley Law comes in.
With years of experience as car accident lawyers and a deep understanding of local regulations, they are dedicated to providing you with the highest level of legal representation. If you suffered an injury in an Allegheny County car crash, […]
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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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