Scherline & Associates - Allentown personal injury attorneys

Call Us Anytime : 484-268-1175

Available 24/7   |   Se Habla Espanol

PLEASE NOTE: As of Monday 6/29/20. Our office will be open. We are giving our clients a choice to come to our office by appointment only or the ability to meet with us via telephone or video conferencing. Please call our office at (610) 437-1100 to discuss your options or fill out our online case evaluation form. If you come to our office for a scheduled appointment, please wait in your vehicle and call us at (610) 437-1100 upon your arrival. You will be asked a series of questions recommended by the Centers For Disease Control (CDC) before being permitted to come into the office. This is for the safety of you and our staff. We will make every effort to minimize the wait time in your vehicle and will be scheduling appointments so you are timely and promptly seen. Unfortunately, at this time we cannot guarantee that “walk-in“ clients without an appointment will be able to be seen by an attorney or staff member. For this reason, scheduled appointments are highly recommended and encouraged. Thank you for your understanding in these continued unprecedented times. The staff and attorneys at Scherline & Associates thank you for your understanding and look forward to helping you.

Every state has its own approach to car insurance, which can make it very confusing for people to understand the basics of how these policies work. How much coverage do you need? Which riders are really necessary to protect you? With contracts that take up many pages, it can be difficult to tell.

Pennsylvania motor vehicle insurance companies offer two options for coverage that differ quite a bit from what is available in other states. You have the option of purchasing either full tort or limited tort policies. As the name implies, limited tort policies have strict limitations on your right to bring certain civil actions after a crash.

For many people, the primary deciding factor in what policy they purchase is the overall price of the coverage. However, you should also consider the value that you’re getting for your payments. Full tort insurance coverage may cost more, but it offers substantially more benefits to the people who carry this kind of policy if they find that they need major coverage in the future.

Limited tort policies restrict your right to seek compensation

Pennsylvania insurance companies ostensibly pushed for limited and full tort policies to protect themselves from expensive claims. They are profit-making businesses, no matter how warm and fuzzy they try to look in their ads.

They knew that citizens saddled with a massive expense would likely choose to limit their costs even if it restricted the coverage they received. The people who probably need the coverage the most are the ones who simply won’t pay for it.

It was a smart business idea because limited tort policies arguably save insurance companies millions of dollars each year. Limited tort policies will only pay out provable and current financial costs related to the collision. These can include lost wages, medical expenses and similar costs. However, the payout likely won’t include future expenses or any pain and suffering you endure.

Full tort policies allow you to take civil action

Full tort coverage allows you to seek compensation for your injuries and non-financial losses related to a crash. It is hard to explain to someone who hasn’t experienced a debilitating collision and injury how these experiences can alter their quality of life.

However, full tort policies are almost always worth the extra premium cost because of the protection they provide. Insurance contracts are so complex that many people can’t make sense of them. If you aren’t sure if you have the right coverage, you can talk to an insurance agent.