Full Tort vs. Limited Tort Auto Insurance in Pennsylvania
When you take out an auto insurance policy in Pennsylvania, you have the option to choose either a full tort or limited tort policy. What are the differences between the two?
The most basic difference is that full tort allows you to sue for pain and suffering damages if you get into an accident, while a limited tort policy means you may forfeit the right to sue for pain and suffering compensation. In exchange for forgoing this right, you pay less for your monthly premium.
Why opt for full tort?
Waiving your right to seek pain and suffering damages for lower insurance payments might seem like a good idea for now, especially if you need to keep your monthly expenses low. However, there is a risk involved. If you get into a crash that involves severe injuries or other effects that stay with you even after you’ve healed, those pain and suffering damages can account for a significant amount of money you would be leaving on the table with a limited tort policy.
This is why we often encourage our clients to opt for full tort policies. The amount of money you save on your monthly premium will come nowhere close to the amount of money you could receive through pain and suffering damages after a serious auto accident. This is especially true when you consider that the effects of a crash are often not fully understood until weeks or months have passed.
Although it’s true that you will pay higher monthly premiums for a full tort policy, this is simply the nature of insurance. You hope you never have to exercise the benefits of the full tort policy, but if you do, you’ll be glad you opted for the slightly more expensive plan.
If you need legal guidance after a car accident in Pennsylvania, speak with a knowledgeable personal injury attorney at Rudberg Law Offices, LLC. Give us a call at 412-488-6000 or contact us online to get started.