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Pennsylvania Limited Tort Lawyers

Limited Tort Super Lawyers in Pennsylvania. Simon & Simon, PC. is known throughout the state of PA as the Auto Accident law firm for those injured victims with limited tort insurance coverage. Over the years, we have helped recover millions in compensation for limited tort accident victims.

The car accident attorneys at Simon & Simon have a deep knowledge of PA limited tort insurance laws, as well as an understanding of the many lesser known exceptions to these rules. We will obtain all the required insurance documents for you, and work with the insurance companies so that you return to your daily life.

Stop the annoyance of speaking to insurance adjusters or other attorneys who are not as experienced in recovering money for limited tort policy holders. Regardless of what you have been told, call us today and we can help.
Learn more about what limited tort is here>

Limited Tort Accident Victims Have Rights

The limited tort accident attorneys at Simon & Simon are experienced in representing victims injured in a motor vehicle accident. We fight to obtain the maximum amount of damages that you are entitled to receive under the law. If you, or someone you know, has been injured in a motor vehicle accident, call the auto accident attorneys at Simon & Simon for a free initial consultation of your case.

To discuss your legal rights and options after a motor vehicle accident with limited tort insurance, please contact Simon & Simon, PC toll free at 215-400-2251. You can speak with a Philadelphia Limited Tort expert who will provide you with a detailed case evaluation. 100% Free!

Pennsylvania's Law Firm For Limited Tort

The attorneys at Simon & Simon, PC are known as the law firm for Limited Tort in Pennsylvania. If you have been in an auto accident in Pennsylvania, and have Limited Tort insurance coverage, Simon & Simon can help recover compensation that you deserve for your injuries.


In Pennsylvania, you have the right to elect one two (2) types of automobile insurance; full tort or limited tort. While more expensive than the limited tort alternative, full tort coverage removes significant hurdles that would otherwise stand in the way of fair recovery. With full tort status, you have the statutory right to financial recovery for ANY injury and the resultant pain and suffering, loss of life's pleasures and embarrassment and humiliation after a car accident. Full tort insurance offers the greatest protection when insurance companies that try to deny you fair compensation for your injury.

Many Pennsylvanians are led to believe that limited tort mean they cannot sue for "non-economic damages" (bodily injury causing pain and suffering, loss of life's pleasures and embarrassment and humiliation. Fortunately, that is simply not true. Limited tort does NOT take away your right to sue. However, it does make it more difficult to win your case. In order to recover, you will not only have to prove that you suffered an injury, but that your injury constitutes a "serious impairment of a bodily function." Once you've overcome that threshold, the limited tort plaintiff is held to the same standard a full tort victim.

Whether full tort or limited tort, you always have the right to sue for "economic damages" (medical expenses, lost earnings, damage to your vehicle). The difference between full and limited tort only applies to "non-economic damages", otherwise known as i) pain and suffering, ii) loss of life's pleasures and iii) embarrassment and humiliation. The more expensive full tort option places no restrictions whatsoever on the right to seek financial compensation for bodily injury. Limited tort, on the other hand, is less expensive. But by paying less for your premiums, you are limiting your right to monetary recovery for "serious" injuries only.

When buying car insurance In Pennsylvania, you have the choice to purchase either limited tort or full tort coverage. While less expensive, limited tort coverage can make your fight for compensation more difficult. With the cheaper limited tort option your right to recover money for pain and suffering is limited to only injuries that constitute a “serious impairment of a bodily function” injury. On the other hand, the costly full tort option has no limits on your right to recover.

Fortunately, however, Pennsylvania law carves out five (5) "exceptions" that automatically give you full tort rights even if you only paid for a limited tort insurance policy:

  • 1. THE DRUNK DRIVER EXCEPTION. If you’re hit by a driver who is convicted of or agrees to Alternative Rehabilitation Disposition (ARD) for DUI, you will be deemed full tort in any injury claim against the drunk driver.
  • 2. THE OUT-OF-STATE VEHICLE EXCEPTION. If you’re hit by a vehicle registered in any state other than Pennsylvania, you can recover damages as if you elected full tort coverage.
  • 3. THE COMMERCIAL VEHICLE EXCEPTION. If you are injured while driving, or a passenger in, a commercial vehicle (bus, taxi, rental car, etc.), you automatically retain full tort rights even if you have your own limited tort policy.
  • 4. THE UNINSURED DEFENDANT EXCEPTION. If you’re injured by a driver who does not have any valid car insurance, you will be full tort for your pain and suffering claims against the uninsured defendant.
  • 5. THE INTENTIONAL COLLISION EXCEPTION. If another driver hits you purposefully, intending to hurt you, you will have the unlimited right to recover pain and suffering money against him.
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