Re: Compensation

Your recovery will not include a penny for pain and suffering as you sold your right to sue to the insurance company in exchange for a "reduced" premium. In actuality, the Republicans in Harrisburg sold you out.

Only exception will be if you have Serious Bodily Injury. Sounds like you have not been medically treated so a personal injury recovery will be unavailable.

Turning to property loss, i.e. recovering the value of your auto: About the best you can do is get the NADA Blue Book top value +10%. List your observations about how immaculate the Chrysler was - i.e, no scratches, moonroof, non-smoking car, all the accoutrements, recent repair monies extended, etc. You get the idea.

Glad u r ok despite the clear negligence of the other driver. Count your blessings as you can't count on a sizable recovery.

Good Luck

TV

Re: Compensation

Given the facts of the case, you are not entitled to any "non-economic" damages, in that you gave up your right to collect them in exchange for a slightly lower premium by choosing limited tort. My advice? Change your insurance policy and buy full tort coverage for the future. You can't give up your right to collect for pain and suffering and then complain about it.

Re: Compensation

You are entitled to seek recovery of economic (wage loss etc) and pain and suffering damages from the other driver (and his insurer). However, if you chose limited tort, you can only recover pain and suffering for permanent injuries.