Tag Archives: Car Accident Attorney in Philly

Car Insurance: Full Tort Vs Limited Tort

Car Insurance

Have you been offered to consider Full Tort or Limited Tort? If these terms are new to you and have no clear understanding on what each represent, this is a quick overview on what you need to know as you start preparing your car insurance policy.

What is Full Tort?

When you choose Full Tort option, you can recover all the economic losses or damages such as medical expenses, loss of income, property damages and a lot more. This option includes pain and suffering regardless to the severity of injuries incurred in a car accident according to a car accident attorney in Philly.

For those first timers buying car insurance policies, this may not sound a big deal, but if you will take the professional advice of an experienced Philly car accident lawyer, choosing the Full Tort coverage is a wise decision when it comes to the amount of settlement you will receive.

What is Limited Tort?

If you are searching for car insurance policy the first thing you will discover if you come across the Limited Tort coverage is it is a lot cheaper, around 15% lesser that the Full Tort coverage cost. This could be bigger savings on your end, but if you carefully address the possibility of the extent of your car accident injury, choosing the Limited Tort option has limitation on rights of the named insured including the people listed under your insurance policy like friends, relatives or loved ones. According to a credible car accident attorney in Philly the Limited Tort coverage doesn’t permit a party that is injured in a car accident to claim for pain or suffering or other non-economic losses unless he or she suffered a life altering injury. Based on the experiences of a top-notch Philly car accident lawyer, selecting Limited Tort coverage only limits your claim to medical expenses, loss  of wages, other out-of pocket expenses, but not pain or suffering, which can be the crucial part of a car accident claim.

Full Tort Vs Limited Tort

If you are living in Pennsylvania, you have the option to consider the Full Tort when preparing for your car insurance policy. If you choose Full Tort, this permits you to file a lawsuit for pain or suffering, however if you opted for Limited Tort, you forfeit your right to claim for pain and suffering.

Aside from that, Limited Tort coverage only provides small discount on a car insurance monthly premium. It may seem appealing for first time buyers of car insurance policies because of the monthly savings you will get, but, when the unforeseen event occurs without any warning and been injured from a car accident, you would be disappointed why you even opted for this type of coverage. Why. Saving a few bucks on your monthly premium can’t compensate the emotional and physical pain or suffering that you will experience after a car accident.

Advantages of Full Tort Coverage

A Philly car accident lawyer will recommend to PA drivers to choose the Full Tort for their auto insurance policies because of the many advantages they will enjoy such as:

  • Full protection given to the policyholder for the unavoidable events in the future resulting to a car accident.
  • Extended full protection coverage given to other parties listed under the insured policyholder (friends or family members).
  • Peace of mind that you are given the best protection coverage after the car accident.

How to fully understand the PA auto insurance coverage?

If you are confused on what type of coverage to include for your auto insurance policy, you can always consult a car accident attorney in Philly about the Full Tort vs Limited Tort coverage and learn the best policy coverage for you.

Philadelphia Car Accident Facts

Over the past years, car related accidents in Philadelphia have dramatically risen based on generated statistics. Most of these reported car crash incidents around Philadelphia are due to increase in population, the presence of multi-lane, high-speed roadways and highways in the area. Regardless of these reasons, many individuals are becoming victims and being injured in car accidents. So, if you or a loved one has suffered severe injuries from a recent car accident, it would be a wise decision to consult a car accident attorney in Philly and have your case reviewed immediately.

Recent Statistics Report of Car Related Accidents

Based on 2015 Pennsylvania Crash Facts and Statistics report from Pennsylvania Department of Transportation (DOT) which was released late of 2016, the number of car crashes statewide totaled 127,127. This figure already includes 59,290 on personal injury crashes and 1,102 on fatal crashes. Below is the statistics compilation:

  • Severe injuries (3,030); moderate car crashes (12,503); and minor injury related crashes (40,364).
  • Philadelphia County reported a total of 8,341 personal injury crashes with the biggest number coming from Pennsylvania.
  • Philadelphia County reported a total number of 85 fatal car crashes the highest figure is from Pennsylvania.
  • Most of the car crash happened in January while the fatal incidents of car crashes occurred in August.
  • The report cases of car crashes happened on Fridays with the highest number of fatal crashes occurred on Sundays.
  • Among the public holidays were these crashes happened are during Thanksgiving, Memorial Day, Fourth of July, and Labor Day, including Christmas.

Causes of Car Accidents

The common causes of car crashes reported in Philadelphia including its nearby areas often include the following:

  • Drivers disobedience on traffic laws, signals, signs and traffic control devices
  • Failure to account existing hazards and unfavorable conditions on the road
  • Bad driving habits like reckless driving
  • Driving under the influence of alcohol or drugs

What should be done if you get involved in a car accident?

If you are involved in a car accident, it’s crucial that you conduct a thorough investigation to verify if you can be entitled to compensation. You should also seek the legal representation of any of the members of car accident lawyers in Philadelphia to evaluate your case, gather more evidence and prove that negligence of another driver is present through the acquisition of the following legal documents:

  • Vehicle maintenance records
  • Surveillance footage report
  • Cell phone records
  • Medical records
  • Toxicology reports

The car accident attorney in Philly may also gather written testimonies from third parties like witnesses to support your car accident case to be valid.

What is expected from your hired car accident lawyer in Philadelphia?

While your attorney is busy doing the groundwork of your car accident case, this legal representative may also take responsibility in doing the following actions:

  • Make phone calls
  • Filling out required forms
  • Discuss with the client’s insurer’s adjuster about the compensation for injuries

Car Accident Lawyers in Philadelphia on Car Accident Cases

If you have been a victim of a horrific car collision due to the negligence of another driver, credible car accident lawyers in Philadelphia are ready to assist you with your case. Remember, get the right compensation is not always easily acquired from the insurance company and may become time- consuming as you try to defend the legality of your car accident case. If there has been an unfair judgment on your insurer’s decision, don’t hesitate to contact a reputable car accident attorney in Philly and let this expert defend your case in a court trial.