Most Pennsylvania drivers have NO IDEA whether or not they have limited tort or full tort auto insurance. 99% of PA drivers have NO IDEA as to what LIMITED TORT means. Only after a Pennsylvania auto accident, do most drivers (or passengers) find out about limited tort and what LIMITED TORT means.
Smart drivers educate themselves before they buy auto insurance and choose full tort auto insurance if they can afford it. The Bucks County injury lawyers at Cordisco & Saile LLC constantly do their best to inform their clients, friends, and loved ones of the perils of limited tort auto insurance and the benefits of full tort auto insurance in Pennsylvania.
In answering this FAQ, we will not discuss the definition of limited tort or full tort auto insurance because we have posted many articles on the issue. Please run a search in the search box left side column on this Pennsylvania injury lawyer website to find several articles on Pennsylvania limited tort.
So how can an injured victim of a PA auto accident help
herself get over the limited tort restriction?
The first step to helping yourself get over the limited tort restriction is to get proper medical care. You must be seen by medical care providers that know how to medically document your personal injuries so that your injuries can be proven to an insurance company, judge, and/or jury. Positive objective medical testing showing a serious injury is also necessary to surpass the limited tort hurdle. You should be speaking with you doctors about whether or not you should be sent for objective medical testing including: X-rays, MRI Scans, CAT Scans, Nerve Conduction Testing, and EMG tests.
You can also help yourself get past Pennsylvania’s limited tort law by keeping a DAILY JOURNAL. In your daily journal you should keep track of your pain levels by describing them on a 0-10 basis and also describing them in more concrete terms such as “it felt like a knife was being stabbed in my lower back”. Get the idea?
You should also document the medication that you took that day and any medical treatment that you received that day. Finally and perhaps, most importantly, you should keep track of your DAILY LIVING ACTIVITIES.
Make a list of daily living activities of things:
- That you COULD DO,
- That you COULD NOT DO, and
- That you TRIED TO DO BUT HAD TO STOP.
The Bucks County based injury lawyers at Cordisco & Saile LLC encourage all of our injured clients to keep a daily journal whether or not they are subject to Pennsylvania’s limited tort law or have full tort auto insurance.
If you have been involved in a PA auto accident, download a FREE copy of our PENNSYLVANIA ACCIDENT GUIDEBOOK to learn more about the Pennsylvania accident claims process and how NOT to make major mistakes such as speaking with the other driver’s auto insurance company about your PA auto accident.