Understanding the different types of coverages available for car insurance in PA is important. However, navigating all of the different options can be an overwhelming task. You want to be sure that you are fully protected through your coverage in the event of a car accident, but knowing the options that will provide that type of PA auto insurance coverage to you is not always easy to figure out. One of the important options that you can choose from under Pennsylvania automobile insurance laws is Limited Tort or Full Tort coverage. Knowing the difference between Full Tort vs Limited Tort is necessary to be able to make the decision on which type of coverage is best for you.
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Tort Meaning: What is the Difference Between Full Tort vs Limited Tort Coverage?
Let’s first start with a simple explanation tort meaning and uncover the difference between Full Tort vs Limited Tort.
- Full Tort offers you the most protection and allows you to sue for both economic and non-economic damages, including pain and suffering if you are in an accident.
- Limited Tort is a much more limited type of coverage, as its name alludes.
- Under Limited Tort, you can only sue for actual losses sustained in an accident, such as medical bills and lost wages.
- Limited Tort does offer a cheaper monthly premium, but that does not make it the better option.
Limited Tort in PA Explained
Saving money on your car insurance premiums by choosing Limited Tort may seem to be the best decision; however, you need to understand what it is that you are giving up. Limited Tort will only allow you to collect for the monetary losses you sustain in an accident such as property damage, medical costs paid out-of-pocket, and lost wages. Falling victim to a car accident can result in months or even years of lasting effects. The injuries a driver sustains can go far beyond what can be treated in a hospital or doctor’s office. Due to this fact, it is important to truly weigh your options and decide if saving some money on your premium is worth giving up your right to recover the pain and suffering that could have lasting effects.
Full Tort in PA Explained
Full Tort in PA does carry a more expensive premium, but the benefits of choosing Full Tort far out-weigh the costs.
- Full Tort coverage gives the driver the ability to sue for the pain and suffering that may be caused regardless of how severe the accident may have been.
- It also provides protection for the months and years following the accident if any issues arise.
- Full Tort will pay for itself over and over again if you fall victim to a bad accident that causes pain and suffering.
Full Tort vs Limited Tort: Which is Right For You?
Deciding whether to opt for Limited Tort or Full Tort is not a decision you want to take lightly. Choosing the Limited Tort option only because it’s cheaper will result in giving up your rights to collect for damages that may have long term effects if you are involved in an accident. It is important that you understand and review the options that are available to you and choose a policy that provides the best coverage. All too often, Pennsylvania drivers do not understand the difference between Full Tort vs Limited Tort until it is too late. We want you to make the best decision regarding your insurance coverage.