Pennsylvania drivers are required to maintain auto insurance. All policyholders are required to select either limited tort or full tort coverage. If you select limited tort coverage, your premium payment will be reduced. However, you are giving up substantial rights if you choose limited tort coverage, i.e., the right the pursue a claim for non-economic (pain & suffering) damages against the driver responsible for causing the accident (and his insurance company). We recommend to all of our clients that they maintain full tort coverage so they are fully protected in the event they are injured in an accident. We do not believe the reduced premiums justify the risks and the rights you give up by selecting limited tort coverage.
There are several exceptions to the limited tort rights waiver. Perhaps the most commonly employed exception occurs when the driver who causes an accident is convicted of driving under the influence of alcohol. Under those circumstances, an injured party who had selected limited tort insurance coverage will be deemed to have full tort insurance coverage and rights. Unless you fall within one of the few exceptions, if you choose limited tort insurance coverage you will be precluded from recovering non-economic (pain & suffering) damages if you are injured in a motor vehicle accident.
Dougherty, Leventhal & Price, L.L.P. (DLP) represents seriously injured and catastrophically injured victims of auto accidents, bus accidents, SUV accidents, snowmobile accidents, motorcycle accidents, truck accidents, bicycle accidents, pedestrian accident and tractor trailer accidents (including work accidents) throughout Northeastern Pennsylvania, including the Counties of Lackawanna, Luzerne, Monroe, Pike, Wayne, Wyoming, Sullivan, Montour, Lycoming, Schuylkill, Tioga, Bradford, Susquehanna, Northampton, Carbon and Columbia. These accidents often occur on the interstate corridors and state highways that run through Northeastern Pennsylvania, including I-81, I-80, I-380, I-84, I-180, SR 61, the Casey Highway, the I-80 Corridor and the Northeast Extension of the Pennsylvania Turnpike. Some of the representative municipalities in Northeastern Pennsylvania where these accidents occur include Scranton, Wilkes-Barre, Honesdale, Hazleton, Moosic, Dunmore, Old Forge, Williamsport, Tunkhannock, Towanda, Stroudsburg, Bethleham, Berwick, Bloomsburg, Pottsville, Kingston, Milford, Mansfield and Wellsboro. We at DLP represent serious and catastrophically injured victims of truck accidents, tractor trailer accidents, bus accidents, motorcycle accidents, automobile accidents and SUV accidents to get them the money and justice they deserve to compensate them for their injuries and damages. If you are involved in an accident anywhere in Northeastern Pennsylvania, call an attorney at DLP as soon as possible after the accident for a free, no-obligation consultation.
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