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Learn about full and limited tort car insurance and if you can sue after an accident.
Both full tort and limited tort coverage only apply in situations where the driver or passengers have been injured in an accident that is not the driver's fault. The victim then has the option of bringing charges against the at-fault driver to sue in court for unpaid medical bills, property damage, loss of income, pain, and suffering.
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
The insurance company will ordinarily pay the judgment, up to the policy limits, once a court determines that an uninsured motorist was at fault. Some states' laws also allow additional insurance coverage to the insured policyholder through policy stacking provisions, whereby a claim may be made against multiple uninsured motorist policies.
If you have a car, you need auto insurance -- at least in most states. With the exception of New Hampshire and some flexibility in Virginia, car insurance is mandated in every state. Auto ...
8 factors that determine car insurance rates for new drivers. When considering car insurance, keep in mind that companies have varied factors for determining rates. Two important factors are your ...
The original purpose of the guest statute was both to protect drivers from frivolous litigation and to protect insurance companies from collusive and fraudulent suits (wherein the passenger sues the driver in order to collect from the driver's insurer). For the same reason, some states also passed aviation guest statutes, which limit the ...
An additional driver on your auto insurance policy is someone who frequently borrows your car but doesn't live with you — like an adult child who uses your car while on an extended visit to your ...