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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Pennsylvania Car Accident Lawyer
A Pennsylvania car accident lawyer is essential when you’re involved in a car accident that results in injury. The aftermath can be overwhelming, and navigating the complexities of insurance claims, medical bills, and legal procedures is daunting. Our skilled motor vehicle accident attorneys provide the legal expertise and guidance you need, ensuring your rights are protected and you receive the compensation you deserve. Consulting with an experienced car accident attorney is vital to effectively navigating the complexities of car accident claims.
Choosing Munley Law means choosing a team of Pennsylvania car accident lawyers committed to your cause. Munley Law is a premier law firm in Pennsylvania with decades of experience fighting for car accident victims across the Commonwealth. With a rich history and a reputation for excellence, we are committed to providing top-tier legal services for those injured in a car accident. Our team of dedicated attorneys is well-versed in Pennsylvania’s traffic laws and has a proven track record of successful outcomes. […]
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Car Accident Lawyer
When you’re dealing with mounting medical bills, lost wages, and the aftermath of a serious collision, you can’t afford to work with inexperienced car accident lawyers who settle for less. Munley Law’s veteran trial attorneys have recovered millions for accident victims. We are unafraid to take on insurance companies to obtain fair compensation for our clients.
Our award-winning legal team will investigate every detail of your case. We work with top accident reconstruction professionals and refuse to let insurance companies pressure our clients into unfair settlements. We handle everything so you can focus on healing while we fight relentlessly for the full compensation you deserve. An experienced accident lawyers at Munley Law is ready to fight for you today. Getting injured in an accident can be a frightening and devastating experience, so let our accident attorneys focus on getting you compensation.
Call or chat to schedule your free consultation with our experienced legal team. […]
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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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