Understanding Full Tort vs. Limited Tort Coverage
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When it comes to car insurance, there are two types of coverage options: full tort and limited tort. These options can have a significant impact on your ability to recover damages in the event of an accident. Here's what you need to know about full tort and limited tort. Full Tort Full tort coverage gives you the right to sue for any damages resulting from an accident, regardless of the severity of your injuries. This means that you can seek compensation for pain and suffering, emotional distress, and other non-economic damages. Full tort coverage typically comes with higher premiums, but it can provide greater protection in the event of a serious accident. Limited Tort Limited tort coverage, on the other hand, limits your ability to sue for non-economic damages. If you have limited tort coverage, you can only sue for economic damages, such as medical expenses and lost wages. You cannot seek compensation for pain and suffering or other non-economic damages unless your injuries meet certain criteria, such as permanent disfigurement or impairment. What You Need to Know When choosing between full tort and limited tort coverage, it's important to consider your individual needs and circumstances. Here are some factors to consider: - Your driving habits: If you frequently drive in high-risk areas or have a history of accidents, full tort coverage may provide greater protection. - Your financial situation: If you have significant assets to protect, full tort coverage may be a better option. - Your health insurance coverage: If you have comprehensive health insurance coverage, limited tort coverage may be sufficient to cover your medical expenses. It's also important to note that Pennsylvania is a "choice no-fault" state, which means that drivers can choose between full tort and limited tort coverage. However, if you choose limited tort coverage, you may still be able to recover non-economic damages if your injuries meet certain criteria. In conclusion, choosing between full tort and limited tort coverage can have a significant impact on your ability to recover damages in the event of an accident. It's important to carefully consider your individual needs and circumstances when making this decision. If you're unsure which option is best for you, it may be helpful to speak with an experienced insurance agent or attorney.