Limitted Tort Insurance Policy

Question:
I suffered from injuries in an automobile accident caused by another person and I selected the limited tort option on my auto insurance policy. I’ve already spoken with the insurance adjuster on the other person’s car and he tells me because I selected limited tort, I cannot make a claim for my pain and suffering. Is this correct?

Answer:
Remember that insurance adjusters are employed by companies who profit from scaring you away from making a claim where they would otherwise be responsible for paying you. Many of those who contact us with a limited tort policy are under the impression that they are not able to make a recovery and we find otherwise. Sometimes it’s a matter of your injury being serious enough that you fall into what’s called the “serious injury exception” that applies to limited tort. Other times there are automatic exceptions such as if you were not in a regular private passenger vehicle when the accident occurred or if you were injured by a drunk driver. Finally, even if your injury was not serious when you first attempted to make a claim with the insurance company, perhaps it has become more serious because it has not improved and you’re still receiving medical treatment after many months.

Whatever the case may be, it is always worth your while to contact our law office to see if you’re entitled to a recovery, even if you chose the limited tort option. Many clients are surprised to learn we are able to help them when they have been told otherwise by their insurance adjuster or even other law firms. It’s worth picking up the phone to make one simple call to our office and in a short while, we can provide you with our expert opinion as to whether or not we can help you.