What is the difference between Full Tort and Limited Tort Car Insurance in Pennsylvania?
Full Tort Insurance in Pennsylvania"Full tort" means that you and members of your household have an unlimited and unrestricted right to seek compensation for injuries caused by other drivers. If you elect "full tort" insurance, you and other family members covered by your car insurance can recover money for physical pain and suffering in addition to lost wages, property damage, certain medical bills, and other out-of-pocket expenses.
Very often an insurance company will make every effort to persuade customers to reject full tort insurance. A common argument is that full tort insurance can lead to a higher premium. While you can save money, you are giving up significant rights by rejecting full tort insurance. Full tort insurance is important because it does not limit your ability to sue for pain and suffering. No matter the injury, you can sue for pain and suffering if you have full tort. Our firm always recommends to our clients that they purchase full tort car insurance in Pennsylvania to protect themselves.
Limited Tort InsuranceIf you elect "limited tort" car insurance you and members of your household give up your right to be compensated for pain and suffering, even if the other driver is completely at fault.
To overcome limited tort one of the exceptions to limited tort must apply. These exceptions include but are not limited to 1) Sustaining a "serious" injury as defined by the law (death, serious impairment of body function, or permanent serious disfigurement such as scarring); 2) You are injured while you are a pedestrian; 3) You are injured while operating or riding on a motorcycle; 4) You are injured while you are an occupant of a vehicle other than a private passenger motor vehicle (like a taxi or limo); 5) When the other driver is drunk; 6) When the other vehicle is registered outside of Pennsylvania.
What Can You Recover From An Accident?Even if you elect "limited tort" insurance you can still recover certain types of economic or monetary damages, including medical and other out-of-pocket expenses, such as lost wages and property damage.
You should always speak to an attorney if you or a relative has been injured in a motor vehicle accident. By speaking to an attorney you can determine whether any exceptions apply that will allow you to bring claims for pain and suffering and other non-economic damages even if you have elected "limited tort" insurance.
Contact car accident lawyer John Mattiacci today for a free consultation. There is no fee unless we win your case.