As we all know, it’s that time of year when motorcycles get on the road. As the weather warms up, it’s time to check your insurance coverage and be ready in case the worst happens. In this post, we talk about tort status and what to look for. Please be sure to keep an eye out for updates to this series.
In both Pennsylvania and New Jersey, you have an option to select the tort status for your insurance policy. In NJ, the options are Zero or Verbal Threshold. In PA, the options are full or limited tort. Zero Threshold/Full Tort is a shade more expensive than Verbal Threshold/Limited Tort. But saving that couple extra hundred dollars could cost you greatly in the event you have an accident. If you are on a motorcycle, you are automatically full tort in Pennsylvania. This is not the case with a New Jersey policy.
If you elect Verbal Threshold in NJ or Limited Tort in PA, unless one of the legal exceptions applies, you are generally prevented from recovering pain and suffering damages. In other words, if you sue someone for negligently causing a motor vehicle accident and your injuries, you will be limited to the amount of your actual economic loss.
If you’ve been in an accident, contact the dependable, experienced, and effective attorneys at Leonard Sciolla today.