IN PENNSYLVANIA

    We recommend that Pennsylvania clients purchase Full Tort liability auto
    insurance instead of Limited Tort insurance. If you do not know what kind of
    insurance you have, you should ask your agent what Tort you have elected. If
    you elected Limited Tort and if you are injured in an accident, you may not
    suit for damages unless you are seriously injured.

    IN NEW JERSEY

    For New Jersey clients, we recommend that you purchase No Limitation on
    Lawsuit/No Threshold auto insurance. When you are involved in an accident
    and if you are subject to the Limitation on Lawsuite/Lawuit Threshold, you
    must establish that you have sustained one of the following injuries before you
    can claim damages for non-economic loss:

    1)   death
    2)   dismemberment (loss of arms, legs, fingers, or toes)
    3)   significant disfigurement or significant scarring
    4)   displaced fracture (broken bone)
    5)   loss of a fetus (unborn child)
    6)   permanent injury within a reasonable degree of medical probability, other
    than scarring or disfigurement. An injury shall be considered permanent when
    the body part or organ, or both, has not healed to function normally and will
    not heal to function normally with further medical treatment.

LAW OFFICES OF
WINNIE G. WANG, LLC.
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PERSONAL INJURY
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