We review a client's motor vehicle insurance coverage to determine whether he has "limited tort" or "full tort" coverage. Generally speaking, almost 50 percent of clients who walk through our doors have "limited tort." "Limited tort" means that, unless you sustain serious and permanent injuries, you cannot file a claim against a negligent party. Examples of a "serious" injury are a broken neck or the loss of a limb.

OWM Law recommends that you check your motor vehicle insurance policy declaration sheet to determine if you have "limited tort" or "full tort" coverage. It is our professional opinion that if you have "limited tort" coverage, you should seriously consider changing to "full tort." "Full tort" coverage will allow you to file a claim against a negligent party no matter what kind of injury you sustain. Call your insurance agent to see how much more it would cost in premiums for "full tort" coverage rather than "limited tort." As with the additional premium for increased medical expense coverage, the additional premium for the "full tort" coverage will be well worth your investment.