Many people who are injured in a car accident incorrectly believe their rights are fully protected because they have been told by their insurance carrier that they have “full coverage”. Do not be confused. “Full coverage” does not mean full tort, which allows the victim of a car accident to seek compensation for all bodily injuries sustained in the accident.
If you do not have full tort and are bound by the limited tort option, an accident victim can only seek compensation for bodily injuries for limited types of injuries as defined by the law. The limited tort option significantly restrains the victim’s rights and prevents them from holding the negligent party fully responsible. Do not fall for the “full coverage” trap. Make sure you know exactly what your insurance provides and whether or not you have fully protected yourself and your loved ones. Next time you speak to your insurance provider, ask them whether you are full tort or limited tort and ask them to send you a copy of your declarations page. Reach out to our team of automobile accident lawyers, who will review your insurance declarations page to determine exactly what coverage you have and will help you ensure that you do have full protections under the law.