When it comes to your auto insurance policy, selecting the right coverage plan can be confusing. In states that require tort coverage, such as Pennsylvania, choosing between limited tort and full tort can be a difficult decision that raises many questions. If you're having trouble deciding between limited or full tort, here's some important information that will make the choice a little bit easier.
Limited Tort
What Does Limited Tort Mean?
By selecting limited tort coverage, you curb your right to sue for "non-economic detriment" in exchange for a slightly less expensive monthly premium. Limited tort essentially means you give up your right to obtain compensation for any pain and suffering you experience due to car accident injuries.
While an auto accident may seem unlikely, it can happen when you least expect it. Injuries sustained in car crashes and other motor vehicle accidents often have side effects that last for months or even years. Most people rationalize their choice of limited tort over full tort by believing that they will still be covered by their insurance policy if they sustain "serious" injuries.
What Does Limited Tort Cover?
Under Pennsylvania law, however, only "death, serious impairment of body function, or permanent serious disfigurement" is covered under limited tort insurance. Additionally, many people do not realize that the insurance company is in charge of determining the severity of your car crash injuries and may not share your definition of "serious."
For example, if you're hurt in an accident, have to miss a month of work, and suffer severe headaches and neck pain, your injuries wouldn't qualify as serious. If you fracture your leg and are in a cast for three months, you car crash injuries still wouldn't qualify as serious. If you endure more than a year of treatment and painful limping after a sprain and strain, your life-changing injuries still won't be deemed serious. These are just a few examples of limited tort horror stories told by injured car accident victims.
Is Limited Tort for You?
The reality is that when you choose limited tort, you and the family members covered under your car insurance policy lose full protection. Limited tort puts you and your loved ones at risk, and this even applies when you or your children are hurt as passengers in another person's car or as pedestrians.
Full Tort
What Does Full Tort Cover?
By selecting full tort coverage, you retain the right to sue for all non-reimbursed economic losses as well as any pain and suffering resulting from your car, motorcycle, or truck accident. With this selection, you will be able to seek compensation for pain and suffering due to any injury, provided that someone else is at fault for the auto accident.
Is Full Tort for You?
While full tort costs a little more than limited tort, it could save you thousands of dollars in the long run. It's a decision you'll be glad you made if you are ever injured in a car accident, as full tort coverage will largely relieve you of financial burdens during your difficult time.
Limited Tort
What Does Limited Tort Mean?
By selecting limited tort coverage, you curb your right to sue for "non-economic detriment" in exchange for a slightly less expensive monthly premium. Limited tort essentially means you give up your right to obtain compensation for any pain and suffering you experience due to car accident injuries.
While an auto accident may seem unlikely, it can happen when you least expect it. Injuries sustained in car crashes and other motor vehicle accidents often have side effects that last for months or even years. Most people rationalize their choice of limited tort over full tort by believing that they will still be covered by their insurance policy if they sustain "serious" injuries.
What Does Limited Tort Cover?
Under Pennsylvania law, however, only "death, serious impairment of body function, or permanent serious disfigurement" is covered under limited tort insurance. Additionally, many people do not realize that the insurance company is in charge of determining the severity of your car crash injuries and may not share your definition of "serious."
For example, if you're hurt in an accident, have to miss a month of work, and suffer severe headaches and neck pain, your injuries wouldn't qualify as serious. If you fracture your leg and are in a cast for three months, you car crash injuries still wouldn't qualify as serious. If you endure more than a year of treatment and painful limping after a sprain and strain, your life-changing injuries still won't be deemed serious. These are just a few examples of limited tort horror stories told by injured car accident victims.
Is Limited Tort for You?
The reality is that when you choose limited tort, you and the family members covered under your car insurance policy lose full protection. Limited tort puts you and your loved ones at risk, and this even applies when you or your children are hurt as passengers in another person's car or as pedestrians.
Full Tort
What Does Full Tort Cover?
By selecting full tort coverage, you retain the right to sue for all non-reimbursed economic losses as well as any pain and suffering resulting from your car, motorcycle, or truck accident. With this selection, you will be able to seek compensation for pain and suffering due to any injury, provided that someone else is at fault for the auto accident.
Is Full Tort for You?
While full tort costs a little more than limited tort, it could save you thousands of dollars in the long run. It's a decision you'll be glad you made if you are ever injured in a car accident, as full tort coverage will largely relieve you of financial burdens during your difficult time.
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