(Mon - Fri): 08:30 AM - 05:00 PM

Call Us For An Assessment Of Your Case (717) 832-9824


Full Tort Vs Limited Tort Car Coverage

  • By: Jill Weikert & Dean Piermattei
  • Published: August 31, 2020
Full Tort Vs Limited Tort Car Coverage

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.

Related Post: What are the Steps in a Personal Injury Lawsuit?

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 outweigh 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.

Contact us at Compass Legal Group today for more information or to schedule a consultation!

Compass Legal Group - Business Law & Personal Injury Lawyer - Harrisburg, Pennsylvania

We take our client’s challenges on as our
own and let the results speak for themselves
- Call Us Now (717) 832-9824

Were You Injured On An Unsafe Property?

We are trusted advisors who will communicate honestly, approach the issue creatively from every angle to offer options, and ultimately, give 100% to deliver a resolution. Our priority will always be people and relationships as we have maintained connections with some of our clients for over a decade.

Follow Us On

Accessibility Accessibility
× Accessibility Menu CTRL+U