If you were in a car accident, you need to know about how insurance coverage can affect the outcome of the case and settlement.
In Chester County, Pennsylvania an injured victim’s recovery can be limited by the type of insurance that he or she purchases. Motor vehicle operators have the choice of selecting limited tort and full tort coverage. If you choose limited tort coverage, you give up significant rights. For example, you are unable to sue for non-economic damages such as pain and suffering, emotional distress and disfigurement. Oftentimes these are the biggest financial part of your case. There are few exceptions to this harsh rule. For example, you would only be exempt from the limited tort exclusion if you were struck by a drunk driver; by an out of state driver or if you suffered a “serious injury” as a result of the motor vehicle collision. For more information please contact the Karp and Hart law firm for a full explanation of your own insurance policy and the differences between full tort and limited tort in Pennsylvania.