When you purchase car insurance in Pennsylvania, you must choose what is
called a “tort option.” There are two options, and the difference
between the two greatly affects what kind of compensation you are entitled
to if you are injured in a
car accident that's not your fault.
The “full tort" option is necessary if you want to protect your
right to receive compensation for all kinds of damages from a car accident.
With full tort, you are entitled to compensation for both economic and
non-economic damages. Economic damages include any wage loss, out-of-pocket
expenses, and medical bills not covered by your own car insurance. Non-economic
damages would be any pain, suffering, and anguish you are forced to endure
because of someone else’s carelessness and negligence.
The “limited tort" option is, frankly, less expensive. This
is because you are voluntarily giving up the right to receive compensation
for non-economic damages if you are injured in a motor vehicle accident.
If you have limited tort, by law, you must meet one of several "exceptions"
in order to receive any compensation for pain and suffering.
If you've been injured in an accident through no fault of your own,
our firm can help you obtain fair and appropriate compensation for your
damages. While we strongly recommend carrying full tort on your car insurance
policy, in certain circumstances we may be able to help even if you have
the limited tort option. An experienced Pennsylvania personal injury attorney
can help you navigate the law and ensure you get all you deserve.
Contact Metzger Wickersham today for a free evaluation of your motor vehicle accident claim.