Pennsylvania Auto Insurance: Limited Tort vs. Full Tort
Which tort option did you choose on your Pennsylvania auto insurance policy – Limited Tort or Full Tort?
Required minimum under Pennsylvania law:
- Limited Tort
Our law firm’s recommended minimum:
- Full Tort
If you are confused by Pennsylvania’s auto insurance law and don’t understand the difference between Full Tort and Limited Tort, you’re not alone. Let’s take a look at each option.
Limited Tort
With Limited Tort, you give up the right to receive compensation for pain and suffering if you are injured in a car accident in Pennsylvania. If you have never been injured in an auto accident, you may not realize the pain and suffering that a person goes through. Car wrecks can lead to serious injuries and long-term disabilities that last for months, or even years.
Many people are unfamiliar with insurance jargon and don’t understand what it really means to have Limited Tort auto insurance. They choose Limited Tort because they believe that:
- It saves them a few dollars (about 15% on their premiums)
- They’ll never be injured in a car accident
Did you know that by choosing Limited Tort, you sacrifice full protection for you and your family members who are covered under your car insurance policy? Limited Tort not only puts you and your family at risk in your own car, but it even applies when you or your children are injured as passengers in someone else’s car, or even as a pedestrian.
There are some rare and strict exceptions to Limited Tort that make it possible for you to collect money for pain and suffering under limited circumstances, such as when a drunk driver hits you.
Our law firm has talked to injured people who had Limited Tort on their auto policy at the time of the accident. Even though they were seriously injured, they were unable to collect money for their pain and suffering. Read some of these real Limited Tort horror stories to see how choosing Limited Tort over Full Tort can hurt you in the long run.
Full Tort
With Full Tort, you are allowed under law to seek money for your pain and suffering due to any injury you receive in an auto accident, assuming that someone else is at fault for the accident.
Choosing Full Tort on your policy instead of Limited Tort does cost a little more on your car insurance premium, but it could mean you receive thousands of dollars more if you’re ever injured in an auto accident. Having additional money to help you through a difficult time in your life is well worth the investment today.
Injured in an Accident? Get a Free Case Review Today
Choosing Full Tort over Limited Tort is just one decision you need to make regarding your Pennsylvania auto insurance coverage. The types of coverage can be very confusing. If you were in an accident, chances are you’re even more confused. Insurance companies may contact you to give a recorded statement, sign papers, and even accept a settlement. Don’t do anything until you know your legal rights.
Call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage for a free case review. There’s no obligation to use our services, so you have nothing to lose. Don’t trust the insurance companies to look out for your best interest. We’re here to answer your questions and help you understand your legal rights as a car accident victim. Contact us today — day or night.
