What Is The Difference Between Full Tort And Limited Tort Coverage On Your Auto Insurance Policy?

When you present a claim for injuries suffered in an automobile crash, one of the first questions typically asked is whether you carried the "full tort" or "limited tort" option on your own automobile policy. Think of it this way, "full tort" means that you have a "full right" to bring a claim for all damages recoverable under the law. "Limited tort" means that you have a "limited right" to bring a claim for all damages recoverable under the law.

  • If you selected the "limited tort" option: In exchange for significantly limiting your right to recover if you are injured in an auto accident, your insurer will typically, offer you a small discount on your premium. You have the right to bring a claim for economic damages ( i.e. out-of-pocket expenses, wage loss, impairment of earning capacity, unpaid medical bills, etc .). However, you have limited your right to bring a claim for noneconomic damages (i.e., pain and suffering), and you may not be entitled to bring such a claim depending on the severity of your injuries.
  • If you selected the "full tort" option: You have the right to bring a claim for all damages you sustained that were caused by the at-fault party. This includes recovery for both economic damages (out-of-pocket expenses, wage loss, impairment of earning capacity, unpaid medical bills, etc.) as well as noneconomic damages, (i.e., pain and suffering), regardless of the nature and extent of your injuries.

Unfortunately, too many Pennsylvania drivers don't understand the important difference between the full and limited tort options on their auto insurance policies. This is due to the fact that many times the differences are not properly explained to policy holders by their own insurance company.

At DelVecchio & Miller LLC, we encourage all Pennsylvania drivers to select the Full Tort option on their auto insurance. The small amount of money you may save on your premium by selecting Limited Tort is simply not worth the price of surrendering your right to recover for injuries sustained in a car accident due to the negligence of another driver.

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To discuss your car accident with one of our experienced attorneys. Call 412-434-1400 or email us to schedule your free consultation. Home and hospital visits are available.