Save money and get a FREE quote from 21st Century Insurance by clicking HERE
Limited Tort and Full Tort Auto Insurance
If you're having trouble deciding between limited or full tort, here's some important information that will make the choice a little bit easier.
|
|
When it comes to your auto insurance policy,
selecting the right coverage plan can be confusing. In
states that require tort coverage, such as Pennsylvania,
choosing between limited tort and full tort can be a
difficult decision that raises many questions. If you're
having trouble deciding between limited or full tort, here's
some important information that will make the choice a
little bit easier.
Limited Tort
What Does Limited Tort Mean?
By selecting limited tort coverage, you curb your right to
sue for "non-economic detriment" in exchange for a slightly
less expensive monthly premium. Limited tort essentially
means you give up your right to obtain compensation for any
pain and suffering you experience due to car accident
injuries.
While an auto accident may seem unlikely, it can happen when
you least expect it. Injuries sustained in car crashes and
other motor vehicle accidents often have side effects that
last for months or even years. Most people rationalize their
choice of limited tort over full tort by believing that they
will still be covered by their insurance policy if they
sustain "serious" injuries.
What Does Limited Tort Cover?
Under Pennsylvania law, however, only "death, serious
impairment of body function, or permanent serious
disfigurement" is covered under limited tort insurance.
Additionally, many people do not realize that the insurance
company is in charge of determining the severity of your car
crash injuries and may not share your definition of
"serious."
For example, if you're hurt in an accident, have to miss a
month of work, and suffer severe headaches and neck pain,
your injuries wouldn't qualify as serious. If you fracture
your leg and are in a cast for three months, you car crash
injuries still wouldn't qualify as serious. If you endure
more than a year of treatment and painful limping after a
sprain and strain, your life-changing injuries still won't
be deemed serious. These are just a few examples of limited
tort horror stories told by injured car accident victims.
Is Limited Tort for You?
The reality is that when you choose limited tort, you and
the family members covered under your car insurance policy
lose full protection. Limited tort puts you and your loved
ones at risk, and this even applies when you or your
children are hurt as passengers in another person's car or
as pedestrians.
|
|
Full Tort
What Does Full Tort Cover?
By selecting full tort coverage, you retain the right to sue
for all non-reimbursed economic losses as well as any pain
and suffering resulting from your car, motorcycle, or truck
accident. With this selection, you will be able to seek
compensation for pain and suffering due to any injury,
provided that someone else is at fault for the auto
accident.
Is Full Tort for You?
While full tort costs a little more than limited tort, it
could save you thousands of dollars in the long run. It's a
decision you'll be glad you made if you are ever injured in
a car accident, as full tort coverage will largely relieve
you of financial burdens during your difficult time.
|
|
