Full Tort Insurance vs. Limited Tort Insurance

The insurance lawyers at the PA firm of The Levin Firm understand that when consumers review their options when purchasing car insurance in Pennsylvania or New Jersey, insurance companies will give a choice between “Limited Tort” and “Full Tort” coverage options. Our Philly attorneys know that many people don’t understand the difference between the limited tort vs full tort insurance option, and opt for limited tort simply because it is cheaper than full tort. Others choose Limited Tort because they do not believe they will ever be injured in a car accident. It is important to know what each of these options means, so you can decide which option will be the best for you and your family.

Full Tort

Under Full Tort coverage, if you are involved in an accident, you may pursue litigation in order to receive full compensation for medical bills, lost wages, property damage and other out-of-pocket expenses. You and your family may also sue for non-monetary damages such as pain and suffering and loss of consortium (loss of a loved one’s companionship while they are recovering from an injury). Because you are retaining all your litigation rights, your insurance company will not reduce your monthly premiums at all.

Limited Tort

With this option, you will be entitled to compensation for medical bills, lost wages, property damage, and other out-of-pocket expenses related to an accident. You will not, however, be allowed to sue for non-monetary damages such as pain and suffering and loss of consortium, unless your injuries are considered serious or disfiguring. In exchange for giving up your right to bring a lawsuit for non-monetary damages, your insurance company will lower your monthly Liability and PIP premium payments. It depends on the insurer, but this reduction is usually around 15%.

It is important to note that when you choose Limited Tort, you are not only giving up your right to litigation when you are the driver involved in a motor vehicle accident. This option also applies to all family members covered under your policy, and it applies even when you or your family members are passengers in other vehicles.

When you need a Philadelphia, Pennsylvania or New Jersey personal injury attorney to represent you, a family member or friend, contact The Levin Firm, who represent every client zealously in order to obtain the best results possible in each case.

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