What is the difference between full tort and limited tort?
Every vehicle registered in the State of Pennsylvania must have car insurance. When you choose your car insurance you will forced to be bound by the all important question…full tort or limited tort?
What is the difference?
Limited tort will cost you a lower monthly premium than full tort, but will hinder your right to recover in a motor vehicle accident.
If you are in a car accident and have limited tort, you are only entitled to out of pocket medical expenses and lost wages from work. With limited tort you are not entitled to recover for pain and suffering unless you show a serious and permanent injury or loss of a bodily function. There is no list of what constitutes a serious and permanent injury. It is more objective and, consequently, more difficult to recover for your injuries.
If you choose full tort, as a matter of law you are entitled to recover for out of pocket medical expenses, lost wages and any pain and suffering incurred as a result of your motor vehicle accident.
Therefore, while it may be a slightly larger cost to pay for full tort insurance, if you are in a car accident, full tort will pay off in the long run.
Lerner, Steinberg & Associates successfully handles both limited tort and full tort insurance claims.