Full Tort vs. Limited Tort Claims: What is the Difference?

Categories: Car Crashes

car accident injury

When you enter the realm of personal injury law, there are plenty of terms that will be thrown at you – and you may have difficulty deciphering their meaning. One thing that you may be approached with is Limited Tort versus Full Tort in your Pennsylvania car accident. When you initially purchase your auto insurance policy, you will have a choice between full tort and limited tort. The choice that you make will greatly affect your ability to receive compensation after an accident.

Full tort coverage allows you to sue for pain and suffering in addition to medical bills, lost wages, etc. Limited tort coverage means that you forfeit your right to sue for pain and suffering, and you are given a small discount on your monthly premium in return.

Limited tort seems appealing to drivers at first, because they pay less in auto insurance each month. But, when you become injured in an accident and need to recover compensation, you may realize that these shorter-term savings were not worth it. Saving a few dollars, or even a few hundred, each year does not equate to the thousands that you could have received in compensation.

Things to Consider with Limited Tort

When you waive your right to recover pain and suffering compensation, you save on your premium. But, you need to assess what you are truly giving up before you sign for limited tort coverage. Car accidents often have lasting and harmful effects on your body. They are more than bruises, lacerations, or even broken bones. There are times when a car accident could affect you for the rest of your life – physically, mentally, and even emotionally.

When you opt for Limited Tort coverage, you waive your right to recover pain and suffering compensation. This compensation is what helps you through your lifelong effects after the accident – including the emotional trauma of the incident.

Benefits of Using Full Tort

Full tort insurance is often best when it comes to car insurance. When you compare the small discount and savings with limited tort versus the thousands that you may need to help you recover emotionally and physically from an accident, there is no comparison. Sometimes, accident victims do not realize the full extent of their injuries for weeks, months, or even years – and having the ability to sue for pain and suffering is critical.

Can I Still Sue with Limited Tort?

You can still file a lawsuit for your injuries in a car accident with limited tort coverage, but you will not be able to claim the non-economic damages of pain and suffering. Instead, you will only be able to claim economic damages, such as:

  • Bills for medical treatment
  • Hospital and doctor fees
  • Prescriptions
  • Medical devices
  • Lost wages
  • Physical therapy bills
  • Permanent or partial disability (if it impairs your ability to earn a living)

There are EXCEPTIONS to this limitation, however, and only an experienced Philadelphia personal injury attorney can explain those exceptions to you. If you have been seriously injured in an auto accident or motorcycle accident in Philadelphia,  contact Jeffrey H. Penneys, Esq. today. He can help assess your current insurance policy and see what type of compensation your claim could qualify for. Schedule a free consultation or ask him a question by calling his cell phone at 215-771-0430, or contact the office at 800-465-8795. You can also ask him a question online via our online contact form.