Serious
Impairment of a Body Function – What is it?
Many people in the
Commonwealth of Pennsylvania have selected the limited tort option on their
automobile insurance policies. However,
I wonder if those people actually know what that means. What is comes down to is simple and can be put
into a simple statement. In exchange
for paying a lower premium on their auto insurance, the person who selects the “limited
tort” option gives up the right to sue for pain and suffering and non-economic
damages unless they have a serious impairment of a body function.
If it sounds complicated or
confusing, it is. So where does that leave the analysis?
If you are subject to limited
tort, you need to know what constitutes a “serious impairment of a body
function.” This is where it gets
tricky. Here is some guidance.
Courts in the Commonwealth of
Pennsylvania have defined this concept.
In Washington v. Baxter, 719
A.2d 733, 740 (Pa. 1998), the Pennsylvania Supreme Court adopted the
following definition of “serious impairment of body function:”
The
"serious impairment of body function" threshold contains two
inquiries: a) What body function, if any, was impaired because of injuries
sustained in a motor vehicle accident? b) Was the impairment of the body
function serious?
The
court adopted the definition set forth in DiFranco
v. Pickard, 427 Mich. 32, 398 N.W.2d 896,
901 (1986), since
the Pennsylvania legislature had relied upon Michigan law as a model when the
limited tort option was created. Washington,
719 A.2d at 740. Quoting DiFranco,
398 N.W.2d at 901, the court also stated further that:
The
focus of these inquiries is not on the injuries themselves, but on how the
injuries affected a particular body function. Generally, medical testimony will
be needed to establish the existence, extent, and permanency of the
impairment.... In determining whether the impairment was serious, several
factors should be considered: the extent of the impairment, the length of time
the impairment lasted, the treatment required to correct the impairment, and
any other relevant factors.
An impairment need not be permanent to be serious.
What does this mean to you, the
injured party who is subject to limited tort?
It means that you need to be in the hands of a good attorney who can
properly work up the damages aspect of your case with this definition in
mind.
If you are injured in an
accident or know someone who is and that person is bound by the limited tort
option, I would be glad to discuss this with them.
In my next blog, I will share
some examples of cases that overcome limited tort and some exceptions to
limited tort.
Feel free to call or email me
with any questions. I can be reached at dory@hgsklawyers.com or 267-350-6638. I would love to
help.