Is your car insurance policy putting you at risk?

By Ben Gobel on January 1, 2020

If you have limited tort car insurance, you will be seriously limited in the types of damages you can recover if you’re in an accident. 75 Pa. C.S. § 1705. Except in very limited situations, you will not be able to recover compensation for your physical pain, your emotional pain, as well as the psychological impact of the accident. 75 Pa. C.S. § 1705(d). These are called “non-economic damages” and they can be very significant after an accident.

By selecting a limited tort car insurance policy, you are agreeing to waive important legal rights in exchange for saving just a few dollars per month. The small reduction in monthly premium payments (typically $5 – $15) is seriously outweighed by what you’re giving up — most people don’t realize this because insurance companies make it seem like a good idea.

Why do insurance companies push limited tort insurance policies on people? Because it saves the insurance companies money.  Don’t let them take advantage of you.

By selecting the full tort option, you’re protecting yourself and preserving your right to recover the compensation you need and deserve if you’re in an accident. This protection is invaluable.

If you’re not sure which type of insurance you have, or if you would like to discuss the issue further, call one of our experienced car accident lawyers at Ogg, Murphy & Perkosky anytime at (412) 471-8500, or send us a message through this page. We are happy to take a look at your insurance policy to make sure you and your family are covered.

If you or a loved one have already been injured in an accident, call us as soon as possible so that we can make sure your rights are protected.  The attorneys at Ogg, Murphy & Perkosky have recovered tens of millions of dollars on behalf of our clients injured in car accidents. Call us now. We are almost always available and there is never a fee unless we make a financial recovery for you.