When You Buy Car Insurance In Pennsylvania, Full Coverage Does Not Mean That You Have “Full Tort” Warns Experienced Philadelphia Car Accident Lawyer – Buyer Beware!
Many times after a Pennsylvania car accident, a client will come to my office claiming that his insurance agent told him that he purchased “full coverage.” When I review the policy or contact the agent, unfortunately many times the insured has not purchased “full tort” coverage and claims that the difference between full tort and limited tort insurance coverage was not explained to him by his agent. Representation by an insurance company or agent that you are getting “full coverage” does not necessarily mean that you actually have full coverage when you are in a car accident. Many times insurance companies pay their agents a higher commission and have other incentives for selling a limited tort policy instead of a full tort policy which provides minimal coverage. Customers often purchase insurance from the agent and are told they have “full coverage” and they are many times presented with waivers that they never read listening to the insurance agent’s sales pitch claiming they are buying “full coverage” but “limited tort.”
When you purchase a limited tort policy, you give up the right to receive compensation for pain and suffering if you are injured in a car accident in Pennsylvania. Pennsylvania car accidents can lead to injuries and long-term disabilities that last for months and even years and until you are in an accident, you may not recognize the pain and suffering that you will go through. People unfamiliar with limited vs. full tort threshold chose limited tort basically because the insurance agent tells them it will save them a few dollars which is really only approximately 10 to 15% on the premium or they feel that they will never be injured in an automobile accident. If you buy limited tort insurance, you sacrifice full protection for you and your family members who are covered under your insurance policy. Limited tort puts you and your family at risk in your own car but even applies when you or your children are injured as passengers in someone else’s car or as a pedestrian. Of course there are exceptions to limited tort but they are strictly interpreted against the insured. If you purchase full coverage insurance, which many people mistake as full tort coverage – beware of the consequences.
If you would like a free insurance policy review, please contact one of our experienced Philadelphia car accident lawyers at 1-800-421-9595 or online at www.reiffandbily.com for a no obligation, no fee consultation.