Full Tort vs. Limited Tort

Automobile accidents occur every day and often come with disastrous results such as permanent life-altering injuries, overwhelming medical bills, lost income, and property damage. The auto accident and personal injury attorney that serves Doylestown, PA, Keith J. Williams, Esq., is well aware of all the different options when it comes to automobile insurance. In Pennsylvania, car insurance companies allow their customers to choose between Full Tort or Limited Tort coverage:

If you choose FULL TORT coverage, which is more expensive, you’ll be granted the ability to sue for all injuries stemming from the auto accident.

If you choose LIMITED TORT coverage, which is less expensive, your ability to sue in court for pain and suffering, even if not at fault, will be limited.

Although, there are a few exceptions that will allow you to recover compensation, even if you have selected the Limited Tort option.

  • You suffer “serious bodily injury” from the accident.
  • The accident was caused by an out of state driver.
  • The accident was caused by a driver who was charged with driving under the influence.

The court has defined “serious bodily injury” as death or dismemberment. To recover compensation for pain and suffering if you’re under Limited Tort coverage, you must have suffered a serious bodily injury. If you have injuries like a broken leg, herniated disk, sprained ankle, or back pain, you will not be able to recover money. On the other hand, if you select the Full Tort option, you will be able to recover money for any injuries like the ones previously mentioned.

Review your insurance policy with Keith J. Williams Law to find out what kind of tort coverage you have. Warminster, PA auto accident attorney, Keith J. Williams, Esq., often encourages clients to choose the Full Tort option to have the ability to sue for any level of physical harm, regardless of how significant it may be. We don’t want you to suffer, especially if it wasn’t your fault.

If you’ve been in a car accident or you have questions about your insurance coverage, contact us to set up a free consultation. To do so, give us a call at 855-703-1134 or fill out a contact form on our website.

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