We take cases on a contingency fee basis. This means that if there is no monetary recovery, you owe us nothing for our services. In most cases, KBG Injury Law will advance the expenses of the case and will wait to be reimbursed until the conclusion of the case.
There is no charge for your initial consultation with a KBG Injury Law personal injury attorney. This allows you to explore your options and determine whether moving forward with your case is the best decision for you on a risk-free basis. An initial consultation is the all-important first step to getting the results you deserve.
When you are choosing car insurance in Pennsylvania, you can choose between full tort and limited tort coverage. When you decide on limited tort insurance, you save a small amount on your premiums each month, but you give up your ability to recover funds for pain and suffering.
Limited Tort Insurance is typically the cheapest insurance you can get and as is usually the case, you get what you pay for. Limited tort insurance limits your right to recover damages you sustain in an automobile accident. If you have limited tort insurance, you can not recover for any of the pain and suffering you undergo as the result of someone else’s negligence.
By choosing limited tort, you give up rights you otherwise have under the law. Imagine being in a car accident, being injured, going through a terrible amount of pain and suffering, inconvenience and then finding out, even though it was not your fault, you can not be compensated for your losses. That is the consequence of choosing limited tort.
The Risks of Limited Tort
If you have limited tort, you are able to recover your actual out of pocket losses such as wage loss or unpaid medical bills, but that is all you will receive. There are some exceptions to the general rule of no recovery, but they are complicated and narrow.
If you are ever in a car accident, the injuries you sustain could be far-reaching and complicated. Pain and suffering are serious concerns for survivors of traffic accidents, especially since chronic pain conditions and post-traumatic stress disorder are both common outcomes of collisions.
Without full tort coverage, you may not have a way to recover funds for anything but the most basic expenses. Even if your pain or the injuries of your accident keep you from working or require expensive support and services, you may not be fully covered. Such a situation can place you in financial distress and make it hard for you to pay bills.
Many drivers choose insurance thinking they will never use it. In reality, most drivers will make claims on their insurance at least a few times during their driving careers, and the longer you are a driver, the more likely you are to need to make a claim.
Even if you are a safe motorist, other drivers may make poor choices on the road. Situations beyond your control could conspire to cause a collision. If that ever happens, having the right insurance can be the difference between being able to afford the help and treatment you need and being unduly concerned about finances during an already-difficult time.
Is It Ever a Good Idea to Get Limited Tort Insurance?
Most drivers who get limited tort coverage do so to save money each month. However, you can receive a discount on your insurance in other ways. Shop around for the best coverage or get more of your insurance from one company for a package discount. In some cases, improving your driver record or simply seeking out a different insurance option can net you savings equal to or greater than what you might enjoy with limited tort.
Even if you have significant savings and can cover the costs of lost income, counseling and other expenses after an accident, consider whether you want to pay for these expenses out of pocket. You could be recovering and healing for months or even years after an accident, so you need to decide whether you want to be paying long-term out of your savings.
Limited tort insurance is cheaper than full tort coverage, but surprisingly, not that much cheaper. Check with your insurance agent today about how you change to full tort. Keep in mind, that your choice of limited tort is binding on you and any other insured on the policy including family members.
Let the Attorneys at KBG Injury Law Review Your Options With You
Many of the auto-accident attorneys at KBG Injury Law have worked in the insurance industry and also have litigation experience. Several of our attorneys worked for insurance companies before dedicating their careers to helping injured individuals. This dual experience means our attorneys have an in-depth understanding of insurance law. If you have been injured in a car accident and are concerned about what is covered and what is not, contact KBG Injury Law for a consultation with one of our attorneys.
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During this challenging time, our attorneys are advocating more than ever. While our physical offices are closed, we are all working remotely to ensure you still get the Results You Deserve. To all of our current clients, you can connect with us the same way you always do via email, phone, fax or text. To all of our prospective clients, the best way to get in touch with us is by using our contact form or by calling (800) 509-1011