Pennsylvania Car Insurance Options: Limited Tort vs. Full Tort
Required Minimum Under Pennsylvania Law:
- Limited
Our Law Firm's Recommended Minimum:
- Full
Which tort option would you choose under your auto insurance policy - Limited Tort or 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 an
accident. If you have never been injured in an auto accident, you may
not realize the pain and suffering that a person goes through, sometimes
for many months or even years.
Because many people are unfamiliar with the insurance jargon, and don't really understand what it means. They choose Limited Tort because they believe that:
- it saves them a few dollars (approximately 15% on their premiums)
- they'll never be injured in an auto 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 would enable you to collect money for pain and suffering under limited circumstances. Find out what the exceptions are to Limited Tort.
Sadly, our law firm has talked to injured people who have chosen limited tort on their auto policy. Even though they have been injured in a car accident, they were unable to collect money for their pain and suffering. Read some their limited tort stories and see how choosing limited tort over full tort hurt them in the long run.
FULL TORT
With Full Tort, you can seek money for your
pain and suffering for any injury you receive in an auto accident,
provided that someone else is at fault for the accident. You do not have
to worry about whether you have a serious injury. Choosing Full Tort on
your policy instead of Limited Tort does cost a little more on your
insurance premium, but it could mean thousands of dollars to you if you
are ever injured in a car accident. Having additional money to help you
through a difficult time in your life is well worth the investment today.
Injured in a car accident? Put our experience to work for you.
For over 25 years, our attorneys have represented more than 30,000 people who have been injured in all types of accidents including car accidents. In addition our legal team has answered over 350,000 injury-related legal questions. When an injury from a car accident occurs and legal help is needed, experience counts.
Free Legal Evaluation
If you, or someone you care about, have been injured in a car accident, you can contact our law firm for a free evaluation by:
- Filling out a simple online form so we can evaluate your claim
- Calling toll free 1-866-227-6038. Our phones answer 24 hours a day/7 days a week
Our law firm will evaluate your claim free of charge and advise you on your legal rights to collect compensation. There is no obligation to use our services, and there is never a fee unless we get money for you.
This guide is NOT a complete summary of the Pennsylvania Auto Insurance Law. It is designed to highlight certain important features of this law and should not be considered legal advice. Everyone has different insurance needs. If you have any questions concerning your coverage, please contact your insurance agent.
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