If you've been hurt as a passenger in a Pennsylvania car accident then you likely have questions about your recovery. Those questions may include: (1) Am I covered by limited tort or full tort insurance? and (2) Can I recover for my injuries?
Limited Tort v. Full Tort Insurance
As a passenger, you have the right to pursue damages for your PA car accident injuries regardless of whether the crash was caused by the driver in your car or another vehicle. Generally, you will be covered by whichever type of insurance you have purchased whether it is limited tort or full tort.
However, you may be bound by the insurance decision of another party if you have not purchased your own insurance. In that case, courts will first look to see if a relative in your household has purchased insurance. If so, then you are typically deemed to have the same type of insurance. If not, then you may have the same coverage as applies to the vehicle in which you were a passenger at the time of the accident.
Injured Passengers May Recover with Limited Tort
If you have limited tort insurance, then you have the right to recover damages for your economic expenses, such as medical bills and lost income. You may also recover for pain and suffering if you fit into one of the PA limited tort exceptions. One such exception applies only to passengers. You may recover full tort damages in PA if you were a injured as a passenger in a commercial vehicle. Of course, you may also recover if any other limited tort exception applies to your case.
If you have been hurt as a passenger in a Pennsylvania car accident then it is important to understand your rights and to pursue a just recovery. We hope that the information provided above helps you with that goal.