You have always purchased maximum Pennsylvania auto insurance and always selected the Full Tort option. You knew that if you were ever in an auto accident, Full Tort auto insurance allowed you to keep all your legal rights.
You are driving home from work in your new luxury Cadillac. Another driver runs a stop light and slams into the side of your car. Your car is severely damaged and you have sustained serious injury. The other driver has a cheap no fault policy with limits of 15/30/5
This means that his insurance limits are $15,000 for one person's injury to a maximum of the $30 thousand for all people injured. His property liability is $5,000 total. The limits are laughable given today's cost of health care and car repair. You should have chosen the UM/UIM option on your own policy so a personal injury lawyer can go after your policy as well.
Experts recommend that the savings in insurance premiums in not worth losing the right to sue. Smart consumers ask the advice of an experienced auto accident attorney to fully understand what they are giving up.
If you are a victim of an auto insurance accident for which the other driver was at fault and you bought Full Tort auto insurance you can sue for damages beyond the $20, 000 that the other driver's insurance company offered. In fact, if you have Full Tort auto insurance do not accept a settlement from the other driver's insurance without having discussed the settlement with a qualified auto crash attorney.
With Full Tort auto insurance you can collect financial compensation for other repairs to your car and added medical costs. You can sue for lost wages both past and present. You may also recover for diminished future earning capacities. If you need rehabilitation the other driver can be sued for that too. Pennsylvania also allows you to sue for "Non-economic losses." These are,
- Past and Future Pain and Suffering – includes any past and future physical pain, discomfort, inconvenience, mental anguish, and stress.
- Enjoyment of Life – This compensation is for victims who have lost enjoyment of the pleasures of life due to the car accident.
- Embarrassment and Humiliation – Anything caused by the crash that could leave the victim feeling ashamed of their injuries, such as paralysis, amputation, burns, and amputation.
- Disfigurement – Compensation may be awarded for scars or permanent damage caused by an accident or the surgery necessary to treat the car accident injuries.
The Philadelphia car accident attorneys at the Lassen Law Firm will evaluate a victim's claim free. If the attorney decides to take the case they only get paid if you win the lawsuit. This is called a contingency suit and it favors the injured by allowing them to sue without having to spend any money up front. If you or a loved one were injured in a car crash contact an experience Pennsylvania personal injury attorney.