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Auto Insurance

Full Tort vs. Limited Tort: What’s Best for Your Needs?

In Pennsylvania, drivers must choose automobile coverage that is either “full tort” or “limited tort.” By selecting “full tort,” you and the other members of your household have full legal rights to make claims for compensation after being involved in a vehicle accident from which an injury results. These households can seek out compensation to cover things like lost wages, medical bills, pain and suffering, vehicle damage, loss of enjoyment, scarring, permanent injuries, and spousal support.

If, however, you decide to pursue a “limited tort,” you give up some rights for your family to seek a recovery, even if the other vehicle was completely responsible for causing the collision. Under “limited tort options,” those covered under your policy may seek compensation to cover out-of-pocket and medical expenses, but you will not be able to seek out recovery for non-monetary damages like pain and suffering.

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