Skip to main content

Understanding Full Tort and Limited Tort

To many, the terms “full tort" and “limited tort" have little to no meaning. Unfortunately, for personal injury victims, it can mean the difference between being fully and partially compensated by insurance companies after sustaining injuries.

While some people will never have to understand what full tort and limited tort are during their lifetime, others will have to deal with this situation, which becomes disheartening when they fail to comprehend their options. Tort is an area of the law that refers to liability, such as in the area of personal injury law. Quickly defined, full tort is a type of coverage that entirely protects an individual and their family in the event that an accident should take place. Limited tort is shortly described as a partial coverage that will not compensate for all damages, with several exceptions.

Full tort coverage is ideal, especially for those who have been involved in a serious accident, such as a car accident or premises liability incident. With full tort, no restrictions are placed upon the claim that is made in pursuit for compensation. A person with this type of insurance policy may also hold the responsible party accountable for their actions, regardless of how serious the injuries may be. Generally, having a policy with full tort coverage will be more costly for a family, but much more effective if an accident occurs.

Limited tort coverage, on the other hand, is generally offered on a less expensive type of insurance plan. In most accident cases in which a party has limited tort insurance, they do not receive any compensation for pain and suffering, except in certain cases. If any of the following takes place, a person with limited tort may be capable of retaining full tort rights:

  1. The negligent driver’s vehicle is registered in another state besides for Pennsylvania.

  2. The negligent driver accepts ARD or is convicted of DUI or driving under the influence of a controlled substance.

  3. The injury victim was traveling on a vehicle of public transportation.

  4. The injury victim is a pedestrian.

  5. The victim’s injuries are considered “serious" by court of law.

While no person expects to be involved in an auto accident or suffer an injury at the hand of another person, these types of accidents do occur. When an accident of this nature takes place, the victim will need the support of full tort coverage and aggressive representation. It is important that you speak with a personal injury attorney as soon as possible after being involved in an accident to understand your rights. Personal injury law is extremely complex, and understanding the difference between your insurance coverage and the at-fault party’s coverage can make a difference in your case. To learn more about your rights and options, contact a personal injury lawyer today.

Additional resources provided by the author

Philadelphia personal injury attorney Thomas J. Murphy, Jr. is an experienced trial attorney with over 25 years of experience in handling exclusively personal injury and auto accident cases. Whether you have been injured by a drunk or distracted driver, or your injuries stem from the use of a defective product, this law firm is ready to help you take on your case. you will need to have an understanding of your rights, which will be provided up front by your attorney from this firm. The team not only works with victims of pedestrian accidents, bicycle accidents, slip and fall accidents, and any accident resulting in a personal injury, but also with those families of wrongful death victims. If you are searching for an attorney to help you pursue just compensation, contact a Philadelphia personal injury lawyer at this office today.

Rate this guide


Avvo personal injury email series

Sign up to receive a 3-part series of useful information and advice about personal injury law.

Recommended articles about Personal injury

Can’t find what you’re looking for?


Post a free question on our public forum.

Ask a Question

- or -

Search for lawyers by reviews and ratings.

Find a Lawyer