When an individual purchases auto insurance in Pennsylvania, he/she has two options when it comes to automobile insurance coverage: full tort or limited tort.  This event may be the single most important decision an individual faces when dealing with a potential future auto related injury.

Limited Tort:

If a person has limited tort insurance and gets in an accident, he/she waives the right to sue for pain, suffering, or economic damages unless death or a serious injury is sustained. If you select limited tort on your insurance policy, you and your family are not only vulnerable in your own vehicle, but are also at risk as a pedestrian or passenger in another person’s car. Although limited tort is tempting because it is less expensive than full tort, it is important to remember you may end up spending thousands of dollars in medical expenses and insurance costs in the event of an accident.

What constitutes a serious injury is still largely debatable. There is no official legal criteria used to determine if an injury is “serious” or not, and is normally left up to the judges discretion. However, injuries that cause serious impairment to bodily functions, disfigurement, permanent damage, or death are typically considered “serious injury” by many courts.

Full Tort

With full tort options, individuals and their families are protected in the event of an accident. Full tort has no restrictions. Unlike limited tort, when an accident occurs people with full tort on their insurance policy can file a lawsuit, make a claim, or seek compensations for damages against the responsible party, regardless of whether their injuries are serious or not. Although the cost of full tort coverage is higher than limited tort, the additional expenses are well worth it. Spending the little extra money for full tort coverage will protect you and your family from high medical and insurance costs in the event of an accident.

It is not always easy for an individual to determine on their own which tort option may apply in a given accident situation.  Call my offices and I will explain to you in greater detail the differences and which tort option may apply to you in your particular accident circumstances. If you have questions about your case, contact us now.