What Insurance Companies Don't Want You To Know!

The Pennsylvania Motor Vehicle Financial Responsibility Act requires insurance companies to give Pennsylvania drivers the option of selecting "Limited Tort" or "Full Tort" insurance coverage.

If you select limited tort, you will not be able to recover monetary compensation for your pain and suffering unless you sustain a serious or permanent injury, which has been defined by the Pennsylvania Courts as a "serious impairment of a bodily function." Insurance companies attempt to peddle the limited tort option upon its insureds under the guise of reducing auto-insurance premiums. However, the limited tort option severely reduces the insured's ability to receive compensation for injury while only marginally reducing the premium expense!

Full tort coverage, on the other hand, is only slightly more expensive than the limited tort option, and allows injured drivers to be compensated for the pain and suffering sustained in an accident, without the threshold requirement of a "serious injury."

A word of warning: Full coverage does NOT mean Full Tort! If an insurance company claims that you are "fully covered" under your policy, it means only that you have the minimum insurance requirements mandated by Pennsylvania law. It does not mean that you have chosen the Full Tort option! Be sure that you tell your insurer that you chose "Full Tort" on your insurance policy.

Law Office of Cynthia Bashore, LLC
2300 Computer Avenue, Ste. G-9
Willow Grove, PA 19090
Phone: 215-830-1434
Fax: 215-371-3921
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I represent clients in the Philadelphia area, including all of Bucks, Montgomery and Chester counties, incorporating the Bucks County townships of Warrington, Doylestown, Levittown, Langhorne, Buckingham, Warminster, Bensalem, Newtown, Yardley, Perkasie , and Souderton, and the Montgomery County townships of Abington, Ambler, Horsham, Hatboro, Lansdale, Willow Grove, Huntingdon Valley, Montgomeryville, North Wales, Norristown, and Jenkintown.