The Philadelphia Personal Injury Lawyers of Lowenthal & Abrams Discuss Full Tort vs. Limited Tort Insurance
Online PR News – 21-February-2012 – – The Philadelphia injury lawyers of Lowenthal & Abrams discuss full tort vs. limited tort insurance. In the state of Pennsylvania, auto insurers provide consumers with a choice between full tort and limited tort coverage for their automobiles. Limited tort coverage is typically the cheaper type of policy to purchase, and for this reason may appear more attractive to the consumer. However, choosing to forego full tort coverage can be a costly decision.
Limited tort policies for car insurance limit the types of injuries for which a driver or passenger may seek compensation. For most limited tort policies, recovery of damages for an injury can only occur in cases of “serious physical injury,” defined by Pennsylvania law as one which is permanent and which affects the ability to perform essential duties both at work and in the home. Therefore, an individual who carried limited tort insurance and suffered a moderate injury, even if it required costly medical treatment or temporarily left them disabled, would not be able to seek compensation from their insurance company.
While limited tort insurance policies may appear more attractive due to their lower costs, the potential price of suffering an injury not insured by a limited tort policy is prohibitively high. Car accidents are one of the most common causes of serious injuries in the United States, and without the ability to recover damages in these situations, an individual may be left in an extremely difficult financial situation. For this reason, it is typically advisable to choose full tort coverage. The Philadelphia accident attorneys of Lowenthal & Abrams, P.C., are prepared to help all Pennsylvania residents who have been injured in a car accident to seek the compensation to which they may be entitled.
About Lowenthal & Abrams
Lowenthal & Abrams, P.C., is a personal injury firm based in Pennsylvania, with offices in Philadelphia, New Jersey, and New York. If you have been injured because of another person’s reckless or negligent actions, our team of dedicated attorneys can help you get the justice you deserve. Contact us today at 215-238-1130.