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The Trials, Tribulations, and Limitations of Limited Tort Insurance Coverage

If you’re a driver in Philadelphia, the Lehigh Valley, or anywhere else in Pennsylvania, you’ve probably heard about limited tort insurance. It’s an option that promises drivers lower premiums, but there’s a catch: it limits your ability to sue for certain damages after a car accident and can leave you with no options for financial recovery for your injuries. While it might seem like a good deal at first, there are some important reasons why opting for limited tort coverage is not be in your best interest.

What is Limited Tort Insurance?

Limited tort insurance is an option available in Pennsylvania, including Philadelphia, that allows drivers to pay lower premiums in exchange for agreeing to limit their ability to sue for pain and suffering after an accident. With limited tort coverage, you can only sue for damages that meet certain criteria, such as serious injuries or permanent impairment. We here at Liss & Marion have successful in thousands of case is overcoming the Limited Tort option, but in nearly every case, limited tort makes it more difficult.

The Issues with Limited Tort Coverage:

  1. Limited Compensation: One of the biggest issues with limited tort insurance is that it restricts your ability to seek full compensation for your injuries. Even if you’re seriously hurt in an accident, you may not be able to recover damages for pain and suffering if your injuries don’t meet the specific criteria outlined in your policy.
  2. Difficulty Proving Serious Injury: Determining whether an injury qualifies as “serious” under limited tort coverage can be challenging. Insurance companies may dispute the severity of your injuries, leading to lengthy legal battles and potentially leaving you with inadequate compensation for your pain and suffering.  No matter your tort option, Liss & Marion is ready, willing, and able to fight the insurance companies.  However, your treatment and the recommendations from your doctors can have a huge impact on helping us make a full and complete recovery for you.
  3. Unpredictable Outcomes: Limited tort coverage can lead to unpredictable outcomes in car accident cases. Even if you believe you have a strong case, the limitations of your insurance policy may prevent you from pursuing the full compensation you deserve, leaving you with an uncertain financial future.  It is always best to choose the full tort option on your insurance policy.  This will help make a full financial recovery a much easier experience.

What You Can Do

If you’re considering limited tort insurance in Philadelphia, it’s essential to weigh the potential savings against the risks. While lower premiums may seem appealing, the limitations of limited tort coverage could leave you vulnerable in the event of an accident. We here at Liss & Marion, always suggest that our clients do the most to protect themselves and their family members by opting for Full Tort coverage. When clients come to us with difficult limited tort cases, one of the first pieces of advice we offer is that they immediately change their coverage to full tort. This will not help them on this case, but in the unfortunate chance they are in another accident, they will have a much better chance of making a speedy and complete financial recovery.

Before making a decision, carefully review your insurance options and consulting with one of our knowledgeable attorneys who can help you understand the implications of limited tort coverage. By taking the time to fully understand your insurance policy and its limitations, you can make an informed decision that protects your rights and financial well-being in the event of a car accident and helps protect you from the evil insurance juggernauts.

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Adam Gilberg
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