Limited tort insurance may appear attractive at first because of its lower price point, but it also comes with serious restrictions on what you can recover after an accident. Retaining an attorney after suffering an injury in a car accident is extremely important for anyone with limited tort coverage.
An Attorney Can Help You Find Exceptions in Limited Tort Insurance
After a serious crash, you are likely dealing with lost income and extremely high medical bills, as well as various out-of-pocket costs. Unfortunately, accident victims often find insurance doesn’t have their back for anything that isn’t a direct medical bill.
Limited tort insurance restricts your ability to recover compensation for non-economic costs, like pain and suffering. That’s where an attorney comes into play.
When you tell an insurance adjuster that all communication should go through your attorney, they are more likely to take you seriously. Simply having legal counsel to represent you is a significant asset in getting an insurance company to play ball and offer the full and fair amount you deserve.
Retaining legal counsel is even more important with limited tort plans, because there are exceptions to restrictions that let you recover a larger amount. Obviously, the insurer is unlikely to just freely offer you information about those exceptions, since it costs them money to pay out claims.
Potential exceptions to limited tort restrictions that your lawyer can help you pursue include situations such as:
- An at-fault driver is convicted of a DUI and pursues the Accelerated Rehabilitation Disposition (ARD) program
- A motorcyclist is hit by a vehicle
- A negligent driver’s vehicle has out-of-state tags
- A passenger is injured in a commercial transportation vehicle like a public bus
- Pedestrian hit by a car while walking
- Serious injuries occur in the crash
While it offers the most wiggle room, the serious injury exception is slightly different from the others. Using that exemption requires the assistance of an attorney to effectively prove the seriousness of your wounds to an insurer using medical records and other evidence.
Recover the Compensation You Deserve With the Help of a Philadelphia Car Accident Attorney
The Heslin Law Firm wants to hear from you and find out if we can help in your financial recovery after a car crash with limited tort. Send your details through the online contact form here or call our Philadelphia office directly at 215-332-0300.
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