Understanding Tort Auto Insurance

Car insurance can be confusing enough but when legal terms are included in discussions about insuring your car, it can be even more confusing. However, it is important to gain an understanding of some of these terms before making a purchase. One of these is tort car insurance as, in Pennsylvania, you have two options.

What is tort insurance?

“Tort” is a legal term that refers to an unjust or unlawful action that infringes on someone else’s rights which could lead to liability. Tort car insurance means that if you are injured in an auto accident, you have the right to sue for pain and suffering for that injury. In some states, including Pennsylvania, you have the option to choose full or limited tort when you purchase insurance.

Full tort

If you choose full tort, you will be able to sue for pain and suffering should you be injured in an accident that is deemed the fault of someone else. There are benefits to full tort car insurance. You may not know how badly you are injured in an accident for days, weeks or even months. Complications can occur and you could be responsible for medical bills that were not your fault if you do not have tort auto insurance. The disadvantage of full tort insurance is that it is more expensive than limited tort.

Limited tort insurance

When you choose limited tort car insurance, you are able to save money on your insurance. However, you waive your right to recover pain and suffering even if you are not at fault in car accidents. Injuries from an accident are not always physical and you could be dealing with significant emotional trauma for years after an accident. If you have chosen limited tort, you will not be able to receive compensation for those injuries. An attorney can provide you with details on the importance of full tort car insurance.

Understanding the various aspects of your car insurance is important to ensuring that you have the right coverage. You might discuss what is best for you with an attorney before talking to your insurance agent.