Full Tort v. Limited Tort – Knowing the Difference
After you’ve been injured in a car crash, you may have significant losses: inability to work, persistent pain and physical limitations, and frequently significant financial effects. Even when injured, however, many people are surprised that they may not be able to receive any compensation for all the physical effects of their injury.
In Pennsylvania and many other states, your ability to file a lawsuit seeking money damages for your pain and suffering often depends on whether you’ve chosen full tort or limited tort on your insurance policy. If you want to protect your rights, you must learn the difference between the two.
What’s the difference between full tort and limited tort?
In Pennsylvania, insurance companies created limited tort coverage to limit whether victims of a car accident can sue for pain and suffering. Limited tort policies cost less, but you give up many important legal rights when you select it. Those losses can be tens of thousands of dollars, which far outweighs the hundreds of dollars you may save on your insurance premium.
To protect your rights when you’re injured, it’s vitally important to select the “full tort” option. Take a look at how the two coverage options compare.
There are a few exceptions to limited tort coverage. If you’re injured by a drunk driver, are a passenger on a commercial vehicle or you are injured by a person who is operating a vehicle registered out of state, you retain your full legal rights. Otherwise, a person who has limited tort must prove a “serious injury” in order to recover for their non-economic losses, and this can be a difficult hurdle to overcome.
Adam Flager sat down with Steve Gannon of the Gannon Insurance Agency to discuss the differences between Full and Limited Tort Auto Insurance.
The Gannon Insurance Agency is an independent insurance agency that has been providing quality coverage, superior value, and personal service to its customers since 2000.
How to Choose Between Full and Limited Tort
When it comes to time to review or choose a new auto insurance policy, you should, if at all financially possible, select full tort on your car insurance policy. Though you may be able to save money off your premium with limited tort, you can wind up with much bigger losses—which you aren’t able to recover any money for—if you aren’t able to overcome the difficult “serious injury” threshold.