In Pennsylvania, individuals looking for the right personal insurance options for their automobile coverage have a few choices. Citizens in the state can choose between full tort, which allows policyholders to sue for pain and suffering, and limited tort and forfeit the right to compensation when it comes to pain and suffering. A limited tort option typically offers a small discount on a monthly premium.
But even though it may seem very simple to understand, there’s plenty more to consider, especially when it comes to the right coverage for you. Limited tort may seem appealing due to its lesser monthly fee, but is it the right option for you just because it’s cheaper? And what if the driver in the other car doesn’t have insurance—will limited or full be the right option?
Opting for Limited Tort
Limited tort saves you money on a monthly basis, which is great for your pocketbook. But when you’re injured in an accident and need the right coverage to help you through pain and suffering that may follow, then you’ll start to see why limited tort got its name.
Savings in a limited tort policy may not be worth it in the long run, even though they can help you save some cash up front. Limited tort policyholders have to ask themselves if it’s worth it to have to weigh the amount they’re saving compared to the damage a car accident can cause. Car accidents are more than just bumps, bruises or broken bones—they can have lasting effects in a number of ways including more detrimental physical issues, such as loss of limb, brain damage or being paralyzed. Plus, there are the emotional effects that play a role as the physical trauma can completely alter the life of the person effected.
When limited tort is chosen, the driver waives their right to recover compensation for those life altering effects, such as being paralyzed or emotionally traumatized.
Choosing Full Tort
Full tort auto insurance may be more expensive, but it can make all the difference in the world following an accident. Some effects may not be known until weeks or months later, so opting for full tort will provide the coverage needed when things pop up later.
Regardless of the extent of the injury, an individual with full tort is able to assert a claim for pain and suffering as long as the accident wasn’t their fault. If you want to make sure that you have maintained your right to pursue the full extent of your damages in a personal injury claim, full tort is an all-encompassing selection.