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Automobile Accidents
A car crash may be over in an instant, but the effects can last a lifetime. If you have been involved in an accident and are injured, you should seek legal help.
At Adams Renzi, we are here to help. We are Philadelphia’s automobile accident lawyers. Call 215-546-4208 or fill out the form below to begin.
We will start by compassionately listening to your experiences. We will discuss your injuries and the other people affected. Then, we will find who was responsible.
If you have been in an accident and have suffered any injury, call 215-546-4208 or fill out the form below.
Do you have full tort?
Unfortunately, most consumers do not know the meaning of "full tort" versus "limited tort" on their automobile insurance policies. When most consumers go to their insurance agent to purchase motor vehicle insurance, they ask for "full coverage." They sign the forms and go about their normal everyday business, believing that they have full coverage. Unfortunately, it is not until they are involved in a motor vehicle accident when they learn the meaning of "limited tort."
Be informed when purchasing car insurance.
Limited tort means that for a reduction in insurance premium, you give up your right to sue for pain and suffering, unless you can prove that you sustained a serious injury or serious impairment of bodily function. Serious injuries include death, dismemberment, loss of a fetus, certain fractures, etc. In determining whether the impairment of a body function was serious, the courts consider such factors as the extent of the impairment, the particular body function impaired, the length of time the impairment lasted, the treatment required to correct the impairment, and any other relevant factors.
An example: A person was stopped at a red light when he was rear-ended by another person who was not paying attention to the road. The damage to both vehicles was moderate. At the time of impact, the person who was stopped sustained whiplash, causing him to go to the emergency room. Thereafter, he continued to have neck problems and was ultimately diagnosed with a herniated disc in his neck. He has limited tort. There is a possibility that he will not recover money for his pain and suffering. He will have to show that his life was significantly impacted to prove that he sustained a serious impairment of bodily function. If he returned to work and went about his normal business, despite the pain, there is a good possibility that he cannot recover for his pain and suffering.
Full tort means that if someone else is at fault for the accident, you can fully recover for your pain and suffering.
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