Few events have the potential to be as life-altering as a car accident. Besides the physical and psychological trauma the experience can cause, there are also many financial ramifications to consider.

Injuries resulting from auto accidents can lead to budget-crushing medical expenses, and if your injuries prevent you from working, you can lose your source of income, temporarily or permanently.  On top of that, there’s the property damage to your vehicle. You either need repairs or a new car, meaning yet another high expense.

For an experienced auto accident attorney in Bucks County with a proven track record of helping people pursue financial compensation and get their lives back together, choose Keith J. Williams Law.

Once you decide to pursue compensation, you’ll be better prepared to fight in court if your car insurance contains full tort coverage.

What is Full Tort?

Car insurance in Pennsylvania gives two options for coverage: Full tort or limited tort. At first glance, limited tort may look like the more attractive option because it’s less expensive, but that’s because it “limits” your ability to fight for compensation for your injuries.

Limited tort only allows you to receive compensation if you have suffered “serious bodily injury.”

What is “Serious Bodily Injury”?

In short, this includes only death or dismemberment, even if the accident wasn’t your fault. Obviously, there are many injuries that can result from car accidents that don’t fall into this category.

Full tort, meanwhile, allows compensation for any injuries the accident caused, not just “serious bodily injuries”:

  • External injuries, including lacerations and burns that result in scarring or disfigurement
  • Brain injuries, including concussions
  • Bone injuries, including fractures and broken bones
  • Internal injuries, including spinal cord injuries, tissue injuries, and joint injuries

If you have limited tort coverage, you may still be able to pursue compensation for these injuries if the other driver was from out-of-state or charged with DUI. But you’ll know you’re covered, no matter the conditions, with full tort.

We recommend that you review your insurance policy today, to make sure you’ll be protected if you find yourself in a situation where you need to seek compensation for an accident.

For a free confidential consultation from a car accident attorney in Bucks County who’ll get you the help you need, contact Keith J. Williams Law.