Understand Tort Law

When choosing which auto insurance policies to purchase, Pennsylvania residents are offered a choice between full tort and limited tort. As with any feature of an insurance policy, there are certain benefits that go along with each selection, and the importance of this choice is often overlooked. Read on to learn more about the difference between full and limited tort.

What Is Limited Tort?

Choosing an insurance plan with limited tort involves forfeiting your right to recover certain costs in the event of an accident. You’ll still be entitled to recover actual monetary costs, including medical bills and automotive repair. Non-economic losses, however, such as pain and suffering, are largely out of the question. This remains firm no matter who is at fault in the accident. Initially, this sort of plan might seem appealing due to its lower cost, and you might think that your risk of being involved in an accident is minimal. But accidents are unpredictable. Should you ever find yourself in an accident, the amount of monetary compensation you’ll be able to recover with a limited tort plan is significantly less than what you’ll receive with a full tort plan.

There are certain exceptions that exist with limited tort. For example, if you’ve received an injury classified as serious or life-threatening, you may recover for pain and suffering. These classifications are not always clear, however, which could make recovery difficult.

What Is Full Tort?

Opting for a full tort plan allows you to file a pain and suffering claim, as long as you’re not at fault. There is no particular level of injury that must have been sustained, either, which means that full tort coverage lets you apply for this type of recovery in all instances. Some drivers are turned off by full tort plans due to their higher pricing, but when accidents occur, these types of policies are indispensable. If you’re interested in full tort coverage, yet uncertain about costs, consult your insurance agent to see if other parts of your policy can be adjusted to free up additional funds.

Discuss Your Accident With Thomas, Conrad & Conrad

Have you experienced an accident where you’re not at fault? Do you need assistance in seeking compensation for resulting pain and suffering? Contact the experienced automotive accident attorneys at Thomas, Conrad & Conrad Law Offices, or visit one of our five locations across the state of Pennsylvania to discuss your case today.


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