Limited Tort vs. Full Tort - Which Protects Me Best?

Which tort option did you have on your Pennsylvania auto insurance policy – Limited Tort or Full Tort?

The required minimum under Pennsylvania law is Limited Tort; however, at Snyder & Wiles, PC, we highly recommend Full Tort. Full Tort is for your protection.

Keep in mind, that cheaper is not better, especially when it comes to insurance protection!  You get exactly what you pay for with car insurance.  This is a confusing topic, and you like many, may not clearly understand the differences between Full Tort and Limited Tort.

Here's the differences, let's first look at Limited Tort:

Many people are unfamiliar with insurance lingo and don’t understand what it really means to have Limited Tort auto insurance. You choose Limited Tort because it saves about 15% on your premiums and you believe that you'll never be injured in a car accident. However, by choosing Limited Tort, you sacrifice full protection for you and your family members who are covered under your car insurance policy!  

Limited Tort not only puts you and your family at risk in your own car, but it even applies when you or your children are injured as passengers in someone else’s car, or even as a pedestrian. There are some narrow exceptions to Limited Tort that make it possible for you to collect money for pain and suffering under limited circumstances, such as when a drunk driver hits you. With Limited Tort, you give up the right to receive compensation for pain and suffering if you are injured in a car accident in Pennsylvania. For those that have never been injured in an car accident, you may not realize the pain and suffering that a person goes through. 

Car accidents may lead to serious injuries and long-term disabilities that last for months, or even years.

Let's now take a look at Full Tort:

 With Full Tort, you are allowed under law to seek money for your pain and suffering due to any injury you receive in an auto accident, assuming it was someone else's fault for the accident.

Choosing Full Tort instead of Limited Tort does cost a little more on your car insurance premium, but it could mean the difference between thousands of dollars more if you’re ever injured in an car accident. Having additional money to help you through a difficult time in your life is well worth the investment today.

Take the confusion out of car insurance.  Choosing Full Tort over Limited Tort is just one decision you need to make regarding your Pennsylvania car insurance coverage. If you were in an accident, chances are Insurance companies may contact you to give a recorded statement, sign papers, and even accept a settlement. Don’t do anything until you know your legal rights.  If you or a loved one has been injured in a car accident, and you are not sure about what car insurance coverage you have; or you have been contacted by an adjuster; or you need more information, contact us at Snyder & Wiles, PC, 7731 Main Street, Fogelsville, PA 18051. 610-391-9500, ask for Attorney Gladys Wiles.