FULL TORT INSURANCE VS. LIMITED TORT INSURANCE

At Kats, Jamison & Associates, we are a comprehensive law firm that cares for the client with a track record of multi-million dollar settlements and verdicts. We will represent you with humanity, humility and honor, regardless of your case size.

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For Over
10 Consecutive
Years


Best Law Firms


Over $100 Million Recovered For
Our Clients


Woman
Owned Business

Real Automobile Accident Cases Won

$10,000,000 SETTLEMENT

For a 9 year old Northeast Philadelphia boy who suffered traumatic brain injuries after being hit by a truck as he crossed the street.

$3.5 MILLION AWARD

From a Chester County jury to a nurse and mother of two after she was seriously injured when she was rear-ended by a National waste disposal truck.

$1,055,000 SETTLEMENT 

Settled in 7 months for responsible party’s policy limits and under-insured motorist policy limits

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Real Car Accident Stories

Why Choose Philly Lawyers

How We Help You Win
We will review your car accident case thoroughly.
We will investigate all evidence regarding the cause of the accident.
We will interview witnesses and experts if necessary.
We will work to ensure that victims and their families receive the maximum settlement.

What is the Difference Between “Full Tort” & “Limited Tort” Insurance Policies?

The experienced team of Insurance Lawyers in Bucks County, PA Law Firm of Kats, Jamison & Associates are knowledgable regarding the difference between full tort & limited tort litigation. When car insurance is purchased for your vehicle in Pennsylvania or New Jersey, you are given the choice between “Full Tort” and “Limited Tort” coverage options. Our Bucks County, and Montgomery County Lawyers understand that it may become confusing to differentiate between these two choices. A consumer might be incentivized to purchase limited tort just because it is more affordable than full tort. It is important to weight each of your options, so you understand exactly what these choices mean, especially if you are injured in an auto accident in the future.

Full Tort Insurance

With regards to Full Tort insurance coverage, if you are injured in an auto accident, you are given the right to pursue litigation for the purpose of receiving FULL compensation for your medical bills, lost wages and other potential damages. You and your loved ones may also sue for non-monetary damages such as pain and suffering, loss of companionship, and but not limited to loss of enjoyment of life. Due to the fact that you are buying full tort insurance, you are retaining all your litigation rights, holding the insurance company fully responsible for your accident if you unfortunately have one.

Limited Tort Insurance

With regards to limited tort insurance policies, the insured purchaser will be entitled to compensation for medical bills, lost wages, property damage, and other potentially out of pocket expenses following a car accident. However, the distinction of these two options is the ability to sue for non-monetary damages such as pain and suffering, loss of companionship, and loss of enjoyment of life. Typically, limited tort policies give up your right to bring a lawsuit for non-monetary damages, in exchange for a reduced fee your insurance company bills you. Depending on the insurer, these reduced rates can typically fall between 10-20%.

It is essential to understand that when you choose Limited Tort Insurance, you are giving up your right to litigation, including the rights of anyone covered under your policy. This also includes limited insurance for any family members, and or passengers in other vehicles. .

If you have suffered injury in a Bucks County or Montgomery County due to an automobile accident, your most important concern should always be on your physical and mental wellbeing. Worry about your health, and we will take care of the rest.

If you or a loved one have suffered injuries due to a car accident, please do not hesitate to call 215-396-9001 to schedule a free consultation with the knowledgable Bucks County, Montgomery County, and Northeast Philadelphia lawyers at Kats, Jamison & Associates.

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Frequently Asked Questions

We understand when the injury occurs, you are scared and need immediate help. Here are the answers to some of the questions we hope are helpful to you.
If you come to us, we have all the answers for when you are injured in any type of accident.

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Philly Lawyers offers free case reviews so that you can better understand your legal options. This means you pay nothing for your first consultation. Additionally, Kats, Jamison & Associates works on a contingency fee basis meaning that if you do choose to hire us, you pay us nothing unless and until we win your case.
Call the police and make sure an ambulance is sent as soon as possible. Make sure everyone involved in the accident is conscious and responsive. Stay at the scene even if the accident isn’t serious, the police should be called regardless and a police report should be filed. It is important when speaking to the police that you stick to the facts, do not speculate, and most importantly do not admit any fault. Make sure you take as many pictures as you can with your cell phone. Also, we suggest taking a picture of the other person’s license plate, their drivers license, and insurance information. The pictures should document any damage that is caused by both vehicles. Seek medical attention as soon as possible if injured, even if you do not feel any pain, you may be in a state of shock and could experience medical issues later on.
After a car accident, it is important to collect as much information as possible. Document the names, addresses, license plates of any other vehicle involved in the accident. Either document the weather conditions at the time of the accident or take pictures of the scene surrounding the accident. If you believe that road maintenance or lack thereof was a factor in the accident – it is important to document this as well. After your immediate medical injuries have been taken into account, it is then time to speak with a lawyer immediately. The sooner you contact a lawyer, the more time you will have to successfully prepare a personal injury case. The team at Kats, Jamison & Associates will analyze your car/motorcycle accident and determine whether or not you have a claim. Through this process we will make sure to protect your rights and guard you from predatory insurance company practices.
If you are experiencing pain, injury, or financial damages as a result of someone else’s negligence. You may have a personal injury case. If the other driver was at fault or failed to follow the legal rules of the road – our car accident attorneys may be able to prove that the other party is liable for those damages. For example, if you were rear-ended in a car accident, typically the other driver is responsible for that accident and the insurance company could be liable for any damages
Within the first few days, you will receive communications from both your insurance company and the other driver’s insurance company. You may be contacted by your health insurance company, doctors, and even attorneys. The other driver’s insurance company may request that you sign medical authorizations so they can retrieve your medical records. Before you speak to any of these people or sign any documents, it is important that you seek legal counsel.
You may have a difficult time paying for your medical expenses, even if you have health insurance. Make sure to bill any treatment as you normally would through your healthcare provider. Additionally, you may have medical payment coverage under your car insurance plan. This could be used to cover your co-pays and other medical expenses that your health insurance company may not cover initially.
This is a difficult question to answer because it depends on many factors. If we are successful in proving that the other party is liable for your injuries and damages, you could be compensated for medical bills and any other hospital costs, lost wages, costs of rehabilitation and physical therapy, disability or disfigurement, pain and suffering, wrongful death, including loss of financial support and any other out of pocket expense that was related to your accident.
Depending on the severity of your injuries and the length of time you need to heal from your injuries will determine the length of your claim. We also have to factor in the willingness of the other party to settle as they make their initial offer. If unreasonable offers are made, your claim may proceed to trial, which will increase the length of your claim.
At Kats, Jamison & Associates all personal injury accident cases are handled on a contingency-fee-basis. This means that we will never charge you upfront for any cost and we will advance all costs and expenses. You will not have to reimburse our Firm for any costs unless we are successful. You will pay absolutely nothing for lawyers’ fees unless we win a monetary sum in your case.

Our Greater Philadelphia Law Firm Has Won Many Accolades For Northeast Philadelphia, Bucks County And Montgomery County