Philadelphia Limited and Full Torts Attorney

When an individual purchases auto insurance in Pennsylvania, he/she has two options when it comes to automobile insurance coverage: full tort or limited tort.

Limited Tort:

If a person has limited tort insurance and gets in an accident, he/she waives the right to sue for pain, suffering, or economic damages unless death or a serious injury is sustained. If you select limited tort on your insurance policy, you and your family are not only vulnerable in your own vehicle, but are also at risk as a pedestrian or passenger in another person’s car. Although limited tort is tempting because it is less expensive than full tort, it is important to remember you may end up spending thousands of dollars in medical expenses and insurance costs in the event of an accident.

What constitutes a serious injury is still largely debatable. There is no official legal criteria used to determine if an injury is “serious” or not, and is normally left up to the judges discretion. However, injuries that cause serious impairment to bodily functions, disfigurement, permanent damage, or death are typically considered “serious injury” by many courts.

Full Tort

With full tort options, individuals and their families are protected in the event of an accident. Full tort has no restrictions. Unlike limited tort, when an accident occurs people with full tort on their insurance policy can file a lawsuit, make a claim, or seek compensations for damages against the responsible party, regardless of whether their injuries are serious or not. Although the cost of full tort coverage is higher than limited tort, the additional expenses are well worth it. Spending the little extra money for full tort coverage will protect you and your family from high medical and insurance costs in the event of an accident.

Contact Full and Limited Tort Attorney

Tort law is very complex and can be confusing for many people. Attorney Thomas J. Murphy is well-educated in this area of the law, and keeps abreast of any changes that are made to existing tort policy. Mr. Murphy has over 20 years of experience assisting individuals in Philadelphia and the surrounding area with their personal injury and tort law cases. At the law office of Thomas J. Murphy, our clients receive one-on-one attention, sound advice, and aggressive representation. Mr. Murphy works diligently to protect his clients’ rights and ensure a favorable outcome. If you or your family is in need of a skilled Philadelphia tort lawyer contact the law office of Thomas J. Murphy today!

Contact the Law Offices of Thomas J. Murphy today!