Quick Quote - Auto


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Are you currently insured?:  


There are two types of options within the tort system including: full tort and limited tort. Full tort means the injured party retains unrestricted rights to bring suit against the negligent party. Limited tort means that the injured party can only recover very limited sums to cover injuries sustained in the accident. Under the limited tort option, the injured party cannot recover damages on injuries that the court does not consider “serious.” It is important to keep in mind that the law defines serious injury very narrowly, meaning, serious injury refers to personal injury resulting in death, permanent disfigurement, or serious impairment of a bodily function. In some cases, broken bones, head injuries, and whiplash do not qualify as serious injury under the law, especially if these injuries have healed and no longer cause pain. The court will consider these injuries “resolved” in a limited tort cases.
Uninsured Coverage:

If you're in an auto accident, there is always the chance that the other driver may be uninsured or underinsured.

Uninsured Drivers

  • Have no insurance at all
  • Their insurance company may have denied a claim or was not able to pay the entire amount
  • Have or had insurance that does not meet the minimum liability requirements for the state
  • Hit-and-run drivers are also considered uninsured as it relates to bodily injury, or UMBI.

Underinsured Drivers

  • Insurance meets the minimum legal requirements but doesn't cover the total cost of the accident.

Uninsured motorist(UM) and underinsured motorist(UIM) coverage can pay you for remaining damages.

Underinsured Coverage: