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This question is asked all the time by prospective insureds looking to us for the answer.  We hear it all the time: “My coworker/dad/friend told me that I should have full tort.  Or is it limited tort?  Which one gives me more coverage again?”  Here’s the long and short of what each mean.

First of all, limited tort is just that: limited.  It limits your rights to recovery or compensation for pain and suffering if you are involved in a car accident in most circumstances.  The majority of clients we interface with have this option, mostly because it is significantly less expensive (typically a 15% savings) and when explained to them, they wouldn’t sue another party unless faced with these circumstance that are afforded to you automatically in PA:

  • If a serious injury occurs leaving you disabled or dismembered in some sort of long term or permanent fashion
  • If the other party is convicted of being under the influence of drugs or alcohol
  • If the other driver intentionally causes the accident
  • If the other driver was driving a car that is registered in another state
  • If the other driver has no insurance

Full tort is just the opposite.  It gives you the opportunity to recover or pursue damages for pain and suffering as a result of any type of accident above and beyond the circumstances listed above.  Full tort is more expensive, but if you have an accident you have the assurance that you can recover if you’ve lost something.

Full tort vs. limited tort can be a tricky subject.  It’s also a subject that many folks choose based on cost.  And while that can be a good way to choose coverage, it’s always best to be an informed consumer when picking the right insurance coverage for you.

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