Understanding the different types of coverages available for car insurance in PA is important. However, navigating all of the different options can be an overwhelming task. You want to be sure that you are fully protected through your coverage in the event of a car accident, but knowing the options that will provide that type of PA auto insurance coverage to you is not always easy to figure out. One of the important options that you can choose from under Pennsylvania automobile insurance laws is Limited Tort or Full Tort coverage. Knowing the difference between Full Tort vs Limited Tort is necessary to be able to make the decision on which type of coverage is best for you.
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Let’s first start with a simple explanation tort meaning and uncover the difference between Full Tort vs Limited Tort.
Saving money on your car insurance premiums by choosing Limited Tort may seem to be the best decision; however, you need to understand what it is that you are giving up. Limited Tort will only allow you to collect for the monetary losses you sustain in an accident such as property damage, medical costs paid out-of-pocket, and lost wages. Falling victim to a car accident can result in months or even years of lasting effects. The injuries a driver sustains can go far beyond what can be treated in a hospital or doctor’s office. Due to this fact, it is important to truly weigh your options and decide if saving some money on your premium is worth giving up your right to recover the pain and suffering that could have lasting effects.
Full Tort in PA does carry a more expensive premium, but the benefits of choosing Full Tort far outweigh the costs.
Deciding whether to opt for Limited Tort or Full Tort is not a decision you want to take lightly. Choosing the Limited Tort option only because it’s cheaper will result in giving up your rights to collect for damages that may have long-term effects if you are involved in an accident. It is important that you understand and review the options that are available to you and choose a policy that provides the best coverage. All too often, Pennsylvania drivers do not understand the difference between Full Tort vs Limited Tort until it is too late. We want you to make the best decision regarding your insurance coverage.
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