One of the most important pieces of advice that I give to all my clients is to make sure that their auto insurance policy offers them full coverage in the event that they are involved in an accident. Probably the most important decision you can make when purchasing a policy of insurance for your vehicle is selecting full tort instead of limited tort. Why? The main difference between full tort and limited tort coverage is that limited tort prohibits you from recovering money damages from the at-fault driver absent a serious bodily injury. Often times, motor vehicle accidents cause soft tissue injuries that can be painful, debilitating and chronic. But unless you are able to show the at-fault driver's insurance carrier that you have suffered a serious bodily injury (e.g., an MRI shows a severe disc herniation requiring surgery), you are not likely to be compensated for the pain and suffering that you've endured as a result of the accident. By contrast, a full tort policy (while having a slightly higher premium), allows you to recover money damages for pain and suffering regardless of whether you suffered a serious bodily injury or only a soft tissue injury that has caused you chronic pain and discomfort. If you can afford it, always purchase a full tort automobile insurance policy. Shop around -- there are so many insurance carriers competing for your membership that, if you take the time, you are likely to find a full tort policy that you can afford.
If you have any questions about your insurance policy or have been in automobile accident, please call me at 610-585-1256.