Make Sure You Buy the Auto Insurance You Need, You’ll Thank Yourself Later

Published on: October 14, 2021

Motor vehicle insurance companies love to sell limited tort policies because it is easy for them to deny you the benefits you deserve should you get in an accident and hard for you to win should you have to sue them. When you have full tort coverage under your auto policy, you can bring a claim for your injuries and pain and suffering regardless of whether your injuries are minor or catastrophic.

While you “save” money by purchasing limited tort coverage (it is usually less than 10% savings), you also limit or preclude your right to receive damages for pain and suffering. In addition, with a limited tort policy, you have to fight harder for coverage should you get in an accident, and it is more difficult to win.

However, there are exceptions. For one fortunate Pennsylvanian, a trial court in Lawrence County rejected Allstate’s argument that it did not have to provide coverage for the car accident victim’s pain and suffering damages because she had a limited tort policy and had not suffered serious injuries – even though she was under medical care, including invasive ablation procedures and epidural steroid injections. Her doctor testified that her injuries were permanent, and she would require treatment to relieve her pain. Thankfully, the judge allowed a jury to decide her case. Unfortunately, most limited tort policyholders are not so lucky. Shelling out the extra money for full coverage each month more than pays off should you find yourself in a car accident down the line.

Our office regularly fights for our clients and others when insurance companies try to limit their ability to be compensated fully for all their injuries. If you were injured by another party’s negligence or your auto insurance company is not abiding by your policy, please call our office at 610-446-3457 or send us an email to set up a consultation with one of our attorneys. We will explain the process, guide you, and fight to get the recovery you deserve.