Before you consult a Pennsylvania personal injury attorney about a potential personal injury claim you may want to check your auto insurance policy to determine if you had full or limited tort coverage at the time of the accident.
Pennsylvania insurance law requires insurance companies to offer clients a choice between full and limited tort coverage. Often consumers opt for limited tort coverage because it is less expensive—however, it may cost them in the long run should they ever become injured in an automobile accident.
Limited tort coverage means that if you are injured in a vehicular accident you may only be eligible to recover:
- Medical bills
- Lost wages
- Vehicle repair costs
- Other actual financial loss
By opting for limited tort coverage you are agreeing to give up your right to pursue personal injury damages such as pain and suffering.
Conversely, if you opt for full tort coverage you can file a claim for all your losses rather than just out of pocket expenses/costs, provided you were not at fault in the accident.
Therefore it is important to consider what rights you may be agreeing to forego in order to save a little money. It is a good idea to review your current policy to determine the extent of your coverage and upgrade to provide additional protection in the event of an accident. Even if you feel that your current limited tort coverage is sufficient you should consider that:
- Anyone can become involved in a accident simply by being in the wrong time at the wrong place
- Seemingly minor injuries can worsen and persist and require long term care
- Long-term injuries greatly affect the quality of your life
Talk to an experienced Pennsylvania personal injury attorney
To discuss your personal injury matter, contact the Law Offices of John E. Kusturiss, Jr. online or call (610) 565-0240 and schedule a free initial consultation today. You may be giving up your right to sue for pain and suffering. Call and talk to us to find out if you are affected or you fit into one of the exceptions which would allow you to recover.