Limited Tort Car Accident Injury Lawyer 

Is the adjuster trying to tell you that you the insurance company won't pay because you have limited tort?
Remember- consider the source! The other driver's insurance adjuster is trained to limit the company's exposure. 
They are trying to get out of the case for as little as possible to save the insurance company money.

Know this:                                         

If you have Limited Tort and are in a car accident, you still have rights!      

If you are Limited Tort:

you have no restrictions on your right to recover "economic" damages against the at-fault insurance company. These would include, payment of medical bills, wage loss, out of pocket bills like prescriptions or property damage to your car;

   
you might still recover for pain and suffering, also called bodily injury by the insurance company, if:

• your injuries have an ongoing or serious impact on your activities of daily life; or
• your injury becomes or turns out to be serious (examples would be that you end up needing surgery or ongoing medical treatment, or medical tests reveal you have a spine injury or some other positive test result ); or
• you have noticeable scarring from the car accident; or
• you have some other ongoing impairment, such as being disabled from work for a length of time.

The insurance company is in the business of trying to earn a profit for itself and its shareholders. That means that the at-fault insurance company is really in the business of trying not to pay and minimizing your losses and injuries. In a Limited Tort case, the insurance company will use Limited Tort as leverage against you to try to pay you less or maybe even nothing. They do this every day and have an advantage over you. You likely have never faced this before.

When you have an experienced injury lawyer that the insurance company respects, you change their leverage and they will take your claim more seriously. With our nearly two decades of experience and having worked in-house for defense law groups, we know what is important to the insurance company. We know how they will try to defend the case and what they will use to try to avoid paying what the case is worth.  Without a lawyer, the at-fault insurance company has you in their comfort zone.

The law still allows recovery for Limited Tort if you can prove the right circumstances

Exceptions to Limited Tort can include:

• the at-fault driver was driving drunk and pleads guilty or is placed on "ARD" (a type of probation);
• the at-fault driver was registered out of state; 
• you were in a commercial vehicle at the time of the accident