What is the difference between Full and Limited Tort?

In Pennsylvania, you are offered the opportunity to choose either a Full Tort or a Limited Tort option when enrolling in a new auto insurance policy. Typically, the Limited Tort option provides a small discount on policy premiums, but at what cost? Choosing the Full Tort option makes it easier to recover damages for pain and suffering in the incidence that you are involved in an accident, whereas, it is much more difficult when choosing the Limited Tort option.

What do you lose with Limited Tort?

Don’t let the upfront savings of a Limited Tort policy fool you. By choosing Limited Tort, your right to recover for pain and suffering is heavily affected in the instance that you are ever involved in an accident. Saving a few dollars each month does not outweigh the emotional and physical suffering associated with injuries sustained in a car accident.

Although premium savings may sound like a no-brainer, you have to weigh the savings amount with the potential damages ensued from involvement in a car accident. More often than not, car accidents leave long-lasting effects on their victims. There is much more involved than just cuts, bruises, and broken bones; in some cases, the effects of a car accident can be life-changing.

Too many Pennsylvania drivers do not realize what they are losing until it is too late.

The Benefits of Full Tort

It is encouraged that drivers in Pennsylvania choose to keep the Full Tort option when signing up for an auto insurance policy. The minimal upfront savings offered when choosing the Limited Tort option instead, is nothing compared to the expenses of a life-altering accident.


Most effects of a crash injury do not present until weeks, months, or even years following a motor vehicle accident. When those complications occur, without Full Tort included in your policy, you very well could be left footing the bill for an accident that was not even your fault.


Full Tort is one of the best and most important forms of protecting yourself in the future. Involvement in a single serious accident will more than make up for the premiums you’ve paid into your policy.

Understanding Auto Insurance in Pennsylvania

Download The Pennsylvania Insurance Department’s Automobile Insurance Guide to help you understand the correct - not just minimal - coverage for your vehicle in the state of Pennsylvania. Be sure to protect yourself and loved ones with a policy that best covers your family.

How Can a Personal Injury Attorney Help Me?

If you find yourself or a loved one the victim of an injury sustained in a motor vehicle accident, our fierce team of personal injury attorneys can assist you with any questions you may have regarding your rights to pursue compensation for recovery and damages. Contact our office online or by phone at (267) 214-8608 today for a complimentary consultation.

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