Because Pennsylvania is a no-fault insurance state, the type of car insurance you have may determine the type of compensation you can receive for car accident injuries.
Drivers with full tort threshold insurances can sue for all damages as well as economic and non-economic losses including pain and suffering. However, drivers with limited tort threshold insurance can only collect monetary losses.
People who like to hedge their bets are always looking to save a few bucks. While the limited tort insurance could save you money in the beginning, if you do suffer a serious accident, you are limited as to whether or not you can file a claim for certain bodily injury and damages.
Understanding the fine print of an insurance policy is complex. Quite frankly, the insurance companies make their policies as complex as possible for a reason.
In some circumstances, people with limited tort can sue. The following criteria need to be in place:
- The driver who was at fault is from out of state.
- The driver who is at fault is convicted of DUI.
- You were a passenger in a commercial vehicle such as a taxi, bus, or tractor trailer.
- Your injuries are considered a serious impairment to a significant bodily function.
When people like you suffer serious accidents, the last thing they expect is their insurance companies to default on damages and compensation. An accident is stressful and painful enough without the stress of fighting with your insurance company.
The prudent response is to let me – Jim Ronca, Central Pa. lawyer – make the plea for you. I have more than 25 years experience helping victims make wrongs right. It’s what I do. Anything less is not an option.
