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Check Your Car Insurance Before an Accident

By blazoseklaw91387029, Nov 2 2016 04:31PM

With car insurance, the lowest price insurance policy may not always be best for you. If you are injured in a car accident and someone else is at fault, you may not be able to recover for those injuries because you purchased car insurance with a limited tort option that costs less. The law in Pennsylvania allows insurance companies to offer two basic types of car insurance. One is with a full tort option, the second is with a limited tort option. The full tort option allows you to bring a suit for your injuries without limiting you in anyway and allows a judge or jury to decide in the end what the amount of money you should receive as damages for your injury. Unfortunately, the limited tort option, in fact limits the type of claim you can make depending on how your injuries are categorized. There are many times that i have met clients who were in fact seriously injured due to the carelessness of another person, but because they purchased insurance with a limited tort option, their own policy would not allow them to make a claim for their injuries against another driver. The time to check your coverage is now. You should check your policy to see if it has the limited tort option. After you have been in an accident even though it wasn’t your fault, it will be too late to switch coverages.

Call our office if you have any questions. I would be happy to discuss this in greater detail with you.

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