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Limited Tort vs. Full Tort

Taking Chances

Pennsylvania Auto Insurance: Full Tort or Limited Tort?

One of the first decisions you'll make when selecting insurance coverage for your vehicle is whether you'll want Full Tort or Limited Tort. We know that the terms of your insurance policy can be frustratingly confusing, so we hope to simplify the process for you. Because the difference between these two forms of insurance can be substantial, we've outlined Full Tort and Limited Tort below.

If you've been injured in a car, truck, or motorcycle accident, call our attorneys right away. We can help fight to get you the compensation you deserve. Contact us at 1-866-9-4EDGAR (1-866-943-3427) or fill out our free online legal evaluation in the top right corner of this page. We'll review your case for free, answer your legal questions, and give you the best course of action for your injury claim.

Limited Tort

Limited Tort means that you can sue for limited recovery after an accident. This means that, while you can sue for medical bills, you cannot seek repayment for pain and suffering. If you've never experienced an auto accident, then you might not know why it's important to have the option to pursue compensation for pain and suffering.



Most people choose Limited Tort over Full Tort because they are looking to save money on their monthly premiums. While saving money on your monthly bill may sound alluring, the reality is that Limited Tort could cost you far more in the long run. Unfortunately, we've heard too many horror stories from accident victims who chose Limited Tort and were unable to recover the money they needed.

Full Tort

Full Tort coverage means, beyond your medical bills, you can seek compensation for your pain and suffering. It may cost slightly more on your monthly premium, but it enables you to recover the money you need if you're involved in an accident. Additional compensation can help you get your life back on track and cover any unexpected costs that arise after your accident.

It's important to understand that Full Tort is one of the best forms of protection for the future. If you're in one serious accident, you'll more than make up for what you've paid each month. We highly recommend Full Tort coverage for you and your loved ones.

Don't forget to download our PA Auto Insurance eBook free of charge. It's packed with great information that can help you decide on the best insurance policy for you and your loved ones.

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This guide is not a complete summary of the Pennsylvania Auto Insurance Law. It is designed to highlight certain important features of this law and should not be considered legal advice. Everyone has different insurance needs. If you have any questions concerning your coverage, please contact your insurance company representative.
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