Full Tort & Limited Tort

After suffering injuries in an accident, many individuals must deal with complex situations involving insurance companies.  Insurance companies are not always automatically willing to pay for victim’s injuries, and in these situations a lawyer may need to participate in litigation to get the victim what they need after being injured.  Full tort and limited tort refer to the different types of auto insurance coverage, and regardless of which type you are having an issue with, Philadelphia personal injury attorney Thomas J. Murphy can help you resolve the matter.  

Full Tort

Full tort coverage will fully protect individuals and their families in the event of an accident. There are no restrictions placed upon full tort, and when an accident happens people with full tort on their insurance policy can file a lawsuit, make a claim, or seek compensations for damages against the responsible party, regardless of whether their injuries are serious or not.  Insurance policies featuring full tort cost more, but in the event of an accident this type of coverage can be well worth the extra cost.  Full tort is the only way to ensure that yourself and your family receive full compensation for pain and suffering, medical expenses, and lost wages.

Limited Tort

Individuals with limited tort insurance may end up receiving no compensation for pain and suffering unless they meet one of the exceptions to limited tort coverage.  Unless serious injury or death is sustained during an accident, suing for certain damages will not be possible with limited tort coverage.  Limited torts are less expensive than full torts, but the amount of money saved is nothing compared to the amounts that may have to be paid in the event of an accident.  Individuals with limited tort insurance can end up paying thousands of dollars in medical expenses and insurance costs after being involved in accident.


For a more in-depth discussion about full tort vs. limited tort, please click the links below to read more.

• What is “Limited Tort” and “Full Tort” and why are they relevant to your case?
• Exceptions to Limited Tort that allow an injured person to retain Full Tort rights and pursue a personal injury claim.