Allentown Auto Insurance
KNAFO LAW OFFICES
Allentown Accident Lawyers
Lehigh County Injury Attorneys
Call Us:
(610) 432-2221
(610) 432-2221
Broken bones, Fractures, Spinal cord injuries, quadriplegic, paraplegic, broken arm, broken leg, herniated disk, buldging disk, compressed disc, back injury, neck injury, thoracic injury, fibromyalgia, rsd, broken nose, broken teeth, tmj, finger, skull, property damage, permanent injuries, death, coma, paralysis, paralyzed, lung, induced coma, shock trauma, head trauma, trauma, burns, road rash, scars, scarring, brain damage, traumatic brain injury, Joint trauma, elbow, hand, hip, wrist, whiplash, leg, arm, knee, patella, ankle, foot, nose, wheelchair, walker, cane, numb, lumbar, cervical, thoracic, L5-S1, L4-5, C5-6, surgery, spinal cord, disc, disk, coma, brain, knee cap, concussion, fatality.
Lehigh County Injury Cases we Handle
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You Can Contact Us If You Need
Full Tort versus limited tort-What's Best For You?
Pennsylvania drivers must select either "full tort" or "limited tort" automobile insurance coverage. If you select the "full tort option", you and members of your household have the absolute legal right to make a claim for compensation as a result of a vehicular accident that results in injury. Full tort households have the full and complete right to seek compensation for medical bills, lost wages, vehicle damage, pain and suffering, loss of enjoyment of life, permanent injuries, scarring, and spousal support.
On the other hand, if you select the "limited tort option", you and members of your family are giving up certain constitutional rights to pursue recovery, even though the other driver was fully responsible for causing the accident. Under this form of insurance, you and other household members covered under the policy may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other non-monetary damages unless the injuries sustained fall into one of the following categories:
1. Serious injury - Personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.
2. If the other driver is convicted of driving under the influence of alcohol or a controlled substance or accepts an ARD program.
3. If the other driver committed an intentional act which caused your injuries.
4. the If the other driver was operating a vehicle registered in another state.
5. If the other driver has no insurance.
Although the "limited tort option" provides for cheaper insurance premiums, the minimal cost difference must be weighed against the significant legal rights you will be losing. In addition, the person purchasing the insurance must realize that by selecting "limited tort", it not only applies to the person purchasing the insurance, but also to all members of the household. As a result, a minor child riding in a neighbor's vehicle is deemed to have limited tort if that vehicle is involved in an accident.
For full and complete coverage, the "full tort option" is the best choice for your family.
KNAFO LAW OFFICES
Toll Free (866) LAW-FIND or
(610) 432-2221
Pennsylvania drivers must select either "full tort" or "limited tort" automobile insurance coverage. If you select the "full tort option", you and members of your household have the absolute legal right to make a claim for compensation as a result of a vehicular accident that results in injury. Full tort households have the full and complete right to seek compensation for medical bills, lost wages, vehicle damage, pain and suffering, loss of enjoyment of life, permanent injuries, scarring, and spousal support.
On the other hand, if you select the "limited tort option", you and members of your family are giving up certain constitutional rights to pursue recovery, even though the other driver was fully responsible for causing the accident. Under this form of insurance, you and other household members covered under the policy may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other non-monetary damages unless the injuries sustained fall into one of the following categories:
1. Serious injury - Personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.
2. If the other driver is convicted of driving under the influence of alcohol or a controlled substance or accepts an ARD program.
3. If the other driver committed an intentional act which caused your injuries.
4. the If the other driver was operating a vehicle registered in another state.
5. If the other driver has no insurance.
Although the "limited tort option" provides for cheaper insurance premiums, the minimal cost difference must be weighed against the significant legal rights you will be losing. In addition, the person purchasing the insurance must realize that by selecting "limited tort", it not only applies to the person purchasing the insurance, but also to all members of the household. As a result, a minor child riding in a neighbor's vehicle is deemed to have limited tort if that vehicle is involved in an accident.
For full and complete coverage, the "full tort option" is the best choice for your family.
KNAFO LAW OFFICES
Toll Free (866) LAW-FIND or
(610) 432-2221
Knafo Law Offices
4201 Tilghman St.
Allentown, PA 18104
(610) 432-2221
4201 Tilghman St.
Allentown, PA 18104
(610) 432-2221