Philadelphia’s Premier Car Accident Lawyer: Your Legal Ally

Philadelphia’s Premier Car Accident Lawyer: Your Legal Ally – Some states, including Pennsylvania, offer two coverage options when selecting an auto insurance policy This is done to ensure that a person chooses a policy that best suits their needs The two coverage options offered in Pennsylvania are limited tort – which limits the damages a person can receive from a lawsuit – and absolute tort – which places no limits on damages.

When choosing full liability coverage vs. limited liability coverage, it’s important to know the difference between the two to make sure you choose what’s right for you. Here’s the difference between full tort coverage and limited tort coverage in Pennsylvania

Philadelphia’s Premier Car Accident Lawyer: Your Legal Ally

To fully understand the difference between limited and comprehensive liability coverage, you need to know what liability insurance does.

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In short, tort insurance allows for compensation from the injured party However, the victim’s right to sue the other driver for the accident depends on the compensation option the injured driver chooses – limited or full compensation.

Under Pennsylvania Statutes Title 75 PA.CSA Vehicles § 1705, limited liability coverage (as the name indicates) limits the right to seek compensation from the at-fault driver. In Pennsylvania, limited tort coverage means you can sue for financial damages like medical bills, lost wages or other out-of-pocket expenses, but you can’t sue for long-term problems or pain and suffering. If you are seriously injured you can only sue for pain and suffering under the limited tort Serious damage is usually defined by the law and usually includes:

It is important to note that limited liability coverage must be sought in Pennsylvania If you do not expressly request limited indemnity coverage, you will automatically receive full indemnity unless you request a change to a limited indemnity option.

Pennsylvania Statutes Title 75 PA.CSA Vehicle § 1705 states that comprehensive tort coverage provides an unlimited right to seek damages from the other driver. With comprehensive tort coverage, not only can you sue for medical expenses, lost wages, and property damage, but you’ll also be able to sue for non-economic damages, commonly known as pain and suffering.

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For example, if you suffer from post-traumatic stress disorder and are no longer able to drive, if you are completely at fault, you can sue the driver for PTSD and the changes they made to your life. But if you have a limited right to compensation, you cannot claim compensation

Since full torture offers unlimited access, it will probably be more expensive Your premium payment will be approximately 15% more than the payment for limited indemnity If you’re on a budget and have trouble affording more car insurance, limited liability coverage is the way to go.

Limited damages allow you to sue for only a handful of cases, usually just money This means that if complications arise in the future, there is really nothing you can do If, for example, you discover that after your accident you have developed an injury that prevents you from doing certain everyday activities. Because you have limited liability coverage, you may not be able to file a lawsuit for future medical expenses. This can make limited liability coverage the wrong choice for some

Car accidents can cause serious and long-term injuries, and limited liability coverage limits can be too risky. Saving more money is not worth losing out on compensation later, especially in the case of a major accident

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Because there is no limit on full tort coverage, you can sue for non-monetary issues. The biggest example is that you can sue for pain and suffering with comprehensive compensation coverage

For example, if you are involved in a car accident that causes back pain or other types of long-term injuries, comprehensive compensation coverage allows you to sue the other driver for those injuries. This makes full indemnity coverage a better choice than limited indemnity for some, because the ability to sue for pain and suffering or other monetary issues is a choice they want to be able to make in the event of an accident.

Full indemnity coverage costs more than limited indemnity coverage This is because many options offer comprehensive compensation coverage For some, the costs may outweigh the benefits When you take out your insurance, you may not think about possible car accidents, nor may you think that full liability coverage is necessary. Or maybe you just don’t want to spend the extra money So if you don’t want to pay more in your monthly premiums or don’t think you need the benefits of comprehensive liability coverage, this may not be the coverage for you.

The answer is

by no means black and white Insurance is different for everyone It is important to review the pros and cons of each policy and decide which one is best for your needs before making a decision If you want to save money and agree to take the risk of restriction, choose limited compensation But if you have the funds and want to make sure that you get the full amount of compensation if you meet with an accident, then go with full compensation.

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It is important that you choose carefully when hiring a personal injury attorney to ensure your case is handled successfully. Personal Injury Lawyers Law has been helping people across the country with cases for over 60 years and we’re proud to be there for you when you need it. Our team of experienced attorneys work hard to invest in your case and make sure you get the help you need Whether you have limited or full compensation coverage, we help you and your case Contact our Pennsylvania car accident attorneys today for a free consultation Looks like nothing was found at this location Maybe try one of the links below or a search?

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“Many thanks to Mike Kane and all the staff for helping me with my case. I couldn’t be happier with the team, their hard work or the results! “

“Whenever and every time I need legal help, my choice is Rizio, Hamilton & Kane. My thoughts become theirs with them. They fight for you and win!!! I need an attorney to choose Rizio, Hamilton & Kane.” Recommends anyone who does.… “If you’re reading this, chances are someone rear-ended your vehicle and there wasn’t much visible damage.

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You’d think it wouldn’t be a problem to call the police or get a lawyer involved But in the end, you decide to try handling the insurance claim yourself

You may not realize that even though it’s a minor car accident, these collisions can have long-term effects

Understanding how the other person will react to a car accident can distract you from your injuries

The fight-flight response may be triggered, so it’s important to take a minute to calm down and assess the situation.

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Many car accident victims suffer from a lot of stress and anxiety from their accident, but they don’t want to appear weak, especially if the accident was minor.

You don’t want to say anything that could affect your claim later, so here’s some good advice: “Don’t admit fault or disclose policy limits.”

If you wait too long for medical attention or treatment, the insurance company may try to argue that your injuries were not related to the accident.

In most states, it’s illegal to fail to file a police report after a car accident, even if it’s just a fender bender.

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If you get into your car and drive after an accident, you may be in trouble If you don’t think you’re hurt or other cars aren’t damaged

Be sure to get a copy of the report, or if you hire a personal injury attorney, they will get one on your behalf

They may also try to give you a recorded statement where you might accidentally say something that hurts your case.

An experienced car accident attorney will know how to handle insurance

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