Don’t Believe Your Insurance Salesman’s Pitch – Go Full Tort
All owners of motor vehicles in the Pennsylvania are required by law to purchase and maintain automobile insurance, however, not everyone can afford complete coverage. By picking an insurance coverage with limited tort rights, you can save some money, however, you lose the right to sue for pain and suffering if you are injured by another person's negligence, no matter how seriously you are injured. The Pennsylvania auto accident lawyers at the Philadelphia law firm of Reiff and Bily have been researching and handling thousands of automobile accidents cases since 1979 and all too often meet with clients who were sold a false promise by their insurance agent only to find out that the policy they purchased was not full coverage and they could not collect for their injuries sustained even though they were caused by somebody else’s fault or negligence.
Be careful when your insurance salesman tells you that you are purchasing full coverage. Do not confuse this with full tort. Insurance agents are told by many insurance companies to “push” limited tort coverage to their clients and often receive higher commissions as a result. Know all of your rights and ask proper questions to make sure that you are fully covered by your policy when the need to collect arises. If you are uncertain please call the Pennsylvania vehicle accident law firm of Reiff and Bily for a FREE, NO OBLIGATION insurance policy check-up. Chance favors the prepared mind!
The full tort option gives you and your family the right to sue someone whose negligence relates to the automobile accident that caused an injury. The injury does not have to be “serious” to make a claim under full tort. You may sue for any uninsured or uncovered medical expenses or lost wages. You may also sue for pain and suffering, for other economic losses, and for the permanent or continuing limitations on your activities and income that may result over the long term from your injuries.
The limited tort option prevents you from suing someone who negligently injures you in an automobile accident unless your injury is determined to be “serious.” It is difficult to determine what a “serious” injury is and anything less than “serious” prevents you from collecting on your claim. You cannot sue to recover compensation for pain and suffering or future limitations unless your injuries result in serious impairment of a body function, permanent and serious disfigurement, or death.
If you choose the limited tort option in order to save a few dollars on your insurance premium, you are giving up the valuable right to decide for yourself whether your injury is significant enough to make a claim against the person responsible for your pain and suffering. The Pennsylvania truck accident lawyers at Reiff and Bily work on a contingent fee basis, charging a small percentage of the recovery. They will not get paid one cent unless there is a successful recovery. They have handled thousands of automobile accidents and have successfully recovered in excess of $150 million dollars from their opponents for physical injuries and emotional damages.
To help reduce the risk of injury, always wear your safety belt. If you are ever in an accident, make sure everyone is ok and exchange information. Always keep your insurance information in your glove box. Call 9-1-1 or the police to report the accident and never leave the scene of the accident. Double check your insurance coverage and report the accident to the insurance company.
There are three important factors to automobile accidents: (1) liability; (2) establishing damages; and (3) determining where to collect the damages. Philadelphia personal injury lawyer Jeffrey Reiff and the experienced Pennsylvania auto accident lawyers and Reiff and Bily will examine the facts, evaluate your claim, determine which parties and insurance companies are responsible, and organize all of the details of preparing and presenting your automobile accident case.
If you are in need of an attorney because you or someone you love has suffered a serious injury as a result of an automobile accident, please call the experienced Pennsylvania auto accident lawyers at the law firm of Reiff and Bily.
