How Does Limited Tort Hurt Your Claim

In our previous blog, we delved into the intricacies of how damages are calculated by insurance companies to determine a compensation amount. Today, we’ll pick up from where we left off!

After the insurance companies gathered all the relevant information, they contact us. So, what’s the first step on their end? They consider your auto insurance coverage to determine whether you’ve opted for full tort or limited tort on your policy.

How Limited Tort Can Hurt Your Claim

Choosing full tort provides you the right to sue in case of an auto accident, while limited tort comes with a lower premium but sacrifices your ability to sue for non-serious injuries. Defining what constitutes a serious injury can be nuanced, generally referring to a long-term or sustained impact that significantly affects your daily life. It’s not about a specific injury, but how it affects your life. This is how limited tort can hurt your claim. However, there are a few exceptions to limited tort. For example, if the accident is caused by a drunk driver or involves an out-of-state license plate, these cases can bypass the limited tort restrictions.

Once the insurance companies have reviewed your insurance and medical records, they will arrive at a range of value for negotiation. For this example, let’s say they offer between $40,000 and $50,000. Studies show that having legal representation, such as the Tully and Tully Law Firm, results in higher offers due to our in-depth understanding of negotiation dynamics. Our goal is to push the upper limit of this range, aiming to maximize your compensation. We are determined to persistently fight for your rights and ensure that you receive the full amount you deserve, like in the example of $50,000.

Rest assured, we work in constant communication with you, keeping you informed about negotiation progress. However, please note that we will never settle a case without your explicit approval. This process requires your authorization, not just ethically but legally as well. We’ll help you reach the optimal settlement value and discuss whether it’s advisable to consider a jury trial for potentially higher compensation!

This gives you a glimpse into how insurance companies determine negotiation ranges for settlement cases. With 40 years of experience, our priority is our clients’ welfare. Our Google reviews are proof of one recurring theme – the Tully and Tully Law Firm genuinely cares for their clients and keeps them informed. So, if you find yourself in an auto accident situation and are considering a law firm, we encourage you to consider us!

Our main focus is honesty. We always preach it. We are passionate about trying to help any injured person or family member with their case. Questions about the blog? CALL US!

Bernard Tully Allegheny County Car Accident Lawyer. Phone: 412-281-8700 and 1-800-518-0050