Why You Should Choose Full Tort

totaled car from an accident

People call us for a free legal consultation all the time, and often we have to tell them we're sorry, but we can't help them. Why? Because they have Limited Tort coverage on their Pennsylvania auto insurance policy.

Many people wonder why they should choose Full Tort over Limited Tort. Not every state gives you that choice, and Limited Tort saves you money. You'll probably never be so severely injured in an accident that you'll need compensation for "pain and suffering" – right?

Unfortunately, too many drivers find that they made the wrong decision…after it's too late.

Choose Pennsylvania Car Insurance Wisely

So what do you risk by choosing Limited over Full Tort? With few exceptions, you give up the right to receive compensation for pain and suffering if you are injured in an accident. But what does that mean exactly?

After seeing car accident victims struggle to pay their medical bills and deal with their injuries for the past 40 years, I've come up with a list of reasons why Full Tort is a must-have on your car insurance policy:

  • Even if your injuries are serious, the insurance company may not define your injuries as "serious" enough to receive compensation for pain and suffering. If you choose Limited Tort and are injured in an accident, and there's a question about whether your injuries are "serious," the insurance company will likely force you into a legal process. This process may take at least a year – time that you may really need compensation to pay your bills and receive medical care. Plus, there's no guarantee you'll receive any compensation, even after waiting all that time.
  • You may not be able to work for a long time, or return to the same job you used to have. Many people don't think about the effects of losing their job, or how quickly a drop in income adds up. Even if you can work another job that pays less, you may struggle to maintain the same standard of living, and you may be under a lot of stress to manage your medical care costs. It can affect the entire family.
  • Your choice of Full Tort coverage will help protect other people living in your household. Even if you don't think you need Full Tort coverage, imagine if your spouse was seriously injured in an accident that wasn't their fault. Would you want them to receive compensation for their pain and suffering? Choosing Full Tort protects your loved ones as well.
  • Full Tort protects you if you're injured as a passenger, pedestrian, or if you're involved in a hit-and-run accident. In these types of accidents, you have little or no control over what happens. You may not even be in a car when you're seriously injured by another vehicle. But if you have Limited Tort on your car insurance, you still may not be able to collect compensation for your pain and suffering from any of these accidents.

Our law firm has represented thousands of people injured in accidents. Many drivers opt for Limited Tort to save a few dollars, only to lose tens of thousands of dollars they would have been entitled to receive after being severely injured in an accident. What do you tell someone whose life has been turned upside down — an innocent victim of someone else's carelessness or mistakes — when they can't claim compensation for pain and suffering?

There's one way to help protect you and your family from having to deal with these tragedies – choose Full Tort on your Pennsylvania car insurance policy. You may pay a few more dollars on your premium, but you will be thankful if you or a loved one ever need to rely on your coverage.