What Does It Mean To Have “Limited Tort” Car Insurance?

When you were buying car insurance, your insurance representative likely asked if you wanted “Full Tort” or “Limited Tort,” and explained that choosing “Limited Tort” generally gives you a discount on your premium. But do you really understand the difference, and what you’re giving up if you choose “Limited Tort” to save a little on your premium?

If you are injured in an accident, you might realize that the minimal savings from choosing “Limited Tort” weren’t worth it. The unfortunate truth is that car accidents often leave lasting emotional and physical effects, and can alter your life. When you waive your right to recover pain and suffering with “Limited Tort,” you give up your right to be paid for those emotional and physical scars. While there are some exceptions that allow “Limited Tort” claims to pursue pain and suffering (i.e. if the other driver is convicted of DUI, the victim is a pedestrian or cyclist, or an occupant of a non-private vehicle, etc.), these are uncommon circumstances. Regrettably, many Pennsylvania drivers do not realize what they are truly giving up when they select their policy.

The first question we ask when meeting with new clients after a car accident is whether they are “Full Tort” or “Limited Tort.” On those occasions when the answer is “Limited Tort,” our clients are often shocked to learn that they may not be able to pursue a claim, despite clear liability on the other vehicle. That’s why we try we always encourage Pennsylvania drivers to choose “Full Tort” car insurance, because the minimal savings on their premium is far less than the compensation they’re giving up if they are hurt in an accident.

We regularly represent injured persons in auto accident claims in Philadelphia, Delaware County, the Main Line, and surrounding areas. While nothing can completely erase the physical and emotional impacts of a car accident, our attorneys can help you get the full value for your suffering. If you have been injured in a car accident, call our office at 610-446-3457 to set up a consultation with our attorneys. We will explain the process, guide you, and fight to get you compensation for your injuries.

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