Full Tort and Limited Tort Defined

What is a Limited Tort? What do You lose with a Limited Tort? What is Full Tort? The Benefits of Full Tort. What Should You Choose?

4 min read
By Prerna
Full Tort and Limited Tort Defined
Photo by Mufid Majnun / Unsplash

Regarding vehicle insurance in Pennsylvania, you have a few options. You can choose Full Tort, which allows you to suit for pain and suffering, or Limited Tort, which eliminates your right to compensation for pain and suffering. Limited Tort usually gives you a slight reduction on your monthly premium.

Isn't it relatively straightforward? Limited Tort may be attractive at first because it reduces your monthly bill immediately. However, if you're wounded in an accident and need to recuperate from your injuries, you'll quickly find that your savings when you purchased the insurance weren't worth it. A little money saved each month cannot compensate for a car accident's emotional and physical trauma.

Full Tort and Limited Tort Defined

You can sue another driver for damages following an accident depending on whether you choose full Tort or Limited Tort. The option you select is a clause in your auto insurance policy that only applies if you are injured due to an accident.

What is a Limited Tort?

If you choose limited Tort, you can only sue another motorist if you suffer significant impairment, amputation, permanent disfigurement, or an injury that prevents you from working for the rest of your life. In some circumstances, courts have been asked to rule on notable limited tort exceptions.

Limited tort insurance might save you up to 40% on your monthly auto insurance cost. If you pick limited Tort, any small medical bills, such as a sprained wrist or broken ankle, will be covered first by your own auto insurance's medical bill allowance and then by your health insurance policy if depleted.

Even if they have limited insurance coverage, drivers can sometimes get full tort benefits. For example, if a drunk driver hits you, you have the complete legal authority to sue them. Motorcyclists who are hit by autos also enjoy complete tort protection.

What You Lose with Limited Tort

If you want to save money on your monthly premium, giving up your right to recover from pain and suffering may seem wise. However, you must compare the amount you protect against the possible damage a car accident could bring.

Car accidents frequently have long-term, negative consequences for the victims. Broken bones, scratches, and bruises aren't the only injuries sustained in car crashes. The effects of a vehicle accident can be life-altering and last a lifetime.

When you choose Limited Tort, you give up your entitlement to compensation for those long-term consequences. Unfortunately, far too many PA drivers don't realize what they're missing out on by opting for Limited Tort coverage until it's far too late.

What is Full Tort?

Full Tort: If you choose full Tort, you have the legal right to sue any driver who has caused you to harm in an automobile accident. You have every legal right to sue, no matter how minor the injury is.

A lawsuit's proceeds can be used to cover medical expenses and lost wages. A complete tort is a more expensive alternative to pick than a limited tort. Many drivers ask themselves, "Is full tort worth it?" due to the increase in premiums.

The Benefits of Full Tort

We constantly advise Pennsylvania drivers to keep Full Tort coverage on their car insurance. Compared to the cost of a life-changing car accident, the tiny amount of money you save on your monthly premium with a Limited Tort policy is nothing.

The full extent of a vehicle accident injury is not known for weeks, months, or even years after the collision. Complications are common, and you could be stuck footing the price for an accident you didn't cause if you don't have a Full Tort.

It's critical to recognize that Full Tort is one of the most effective forms of future protection. You'll more than makeup for what you've paid each month if you're in one catastrophic accident. To protect you and your loved ones, we strongly advise you to purchase Full Tort coverage.

One of the most challenging decisions to make when choosing a new vehicle insurance plan is deciding whether you want full Tort or limited tort coverage — especially when most drivers aren't clear about the terms. At Unruh Insurance, we want to make insurance as simple as possible, so we're here to explain the differences between full Tort and Limited Tort in Pennsylvania.

*Please note that we are licensed in the following states: DE, IN, MD, NY, PA, TN, VA, and WV.

Learn what each of these phrases means in plain English, the benefits of picking each one, and the statistics regarding whether full Tort or Limited Tort is more prevalent in your demographic by reading our most recent blog.

What Should You Choose?

The choice between full Tort and limited Tort relies on your monthly budget, family, and whether or not you would ever sue another driver. We can't tell you what to do in a blog because this is a personal decision. We can't tell you what to do, but we can tell you what other drivers in your situation have done.

  • Parents are the most common group to select full tort. They need to be able to secure a reasonable settlement if they are involved in a severe vehicle accident because they recognize they have a responsibility to their children.
  • For young drivers, the limited Tort is the more popular option. Because new driver auto insurance is always more expensive, they seek to save money everywhere they can.
  • In general, most Lancaster drivers prefer limited Tort because they wouldn't sue someone. It makes no sense to pay more money for an opportunity they will never take because they know this.

Other policies are available for drivers who require MAXIMUM coverage but are confident that they will never sue after an accident. Some drivers opt for limited Tort and increase the amount of First-party medical coverage provided by their automobile insurance. This provides total protection without requiring you to go to court following your injury. This is just one of Unruh Insurance's numerous ways to tailor your policy to your specific requirements.