 Comments
|
 Send to a Friend
|
 Print
|
 Permalink
|
 Free Legal Evaluation
|
The most common Pennsylvania car insurance question we get at my law firm is about the difference between limited tort and full tort. Selecting the right tort option is just one of the things that can make purchasing PA auto insurance coverage so frustrating.
Many insurance company representatives don't even know how to properly explain the difference between these two important choices.
Limited tort means that, for the most part, you forfeit your right to compensation when you're hurt in a car accident.
Full tort means that you can seek compensation for injuries from a car crash if someone else is at fault for the accident.
Unwittingly, by purchasing limited tort coverage you reduce your options for compensation. Due to Pennsylvania law, our hands are often tied – there are many occasions where my law firm can't help someone because they have limited tort instead of full tort. With limited tort car insurance, you end up protecting the other person in an accident – not yourself.
There are a few exceptions to limited tort that do reserve your right to compensation, including: if you were injured in a commercial vehicle, if the at-fault driver is convicted of drunk driving, if the at-fault driver's vehicle is registered in another state, and if your injuries are deemed "serious."
Proving that your injuries are "serious" can be more difficult than it sounds. That's why my law firm recommends that you purchase full tort auto insurance coverage in Pennsylvania. You may save a few bucks with limited tort, but the value of having full tort protection for you and your family is priceless.
Previous posts in this series: