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Important
Insurance Information
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The
auto insurance policy you purchase can have long
lasting effects, especially if you are involved in
an accident.
Below are definitions of a few insurance
terms.
Buy
Full Tort
-
If
you have been injured in a car accident and
you have purchased FULL TORT you may collect
for your pain and suffering caused by the
negligence of the other driver.
Do
Not Buy Full Tort
-
If
you have been injured in a car accident and
you have selected limited tort, you cannot
collect for your pain and suffering unless you
have sustained a very serious injury, a severe
impairment of body function.
FULL
COVERGE DOES NOT MEAN FULL TORT.
YOU
MUST SPECIFY FULL TORT.
In
addition to Full Tort, you must also select
uninsured, underinsured and stacking in order
to be FULLY COVERED.
Uninsured
Motorist Coverage
-
If
you are injured by a driver who does not have
insurance, your insurance company will pay for
your pain and suffering.
Underinsured
Motorist Coverage
-
If
you are injured by a driver who only has a
minimum policy which does not fully compensate
you for your pain and suffering, your own
insurance company will make up the difference.
Stacked
Benefits
-
You
should select “stacking” because if your
accident was caused by and uninsured or
underinsured driver, your benefits are
multiplied by the number of cars in your
family.
DO
NOT SIGN A WAIVER!
This
is a paper the insurance agent will give you to sign that
takes away these important rights from you and your family
and gives you limited tort.
Do Not Sign a Waiver!
Only
7-8% of those injured in auto accidents are able to
collect with a limited tort policy.
For full protection of your family,
BUY
A FULL TORT POLICY.
Executive Auto Body, Inc.
has offered information and opinion on this page. We are not
insurance attorneys; we have acquired experience based on our daily contact with insurance companies.
Do not rely on this information as legal advice. For legal advice,
consult your attorney, or, contact the Firm of Marks,
Feiner & Fridkin at 1-800-MARKS 44.
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