Full Tort/Limited Tort

Full Tort & Limited Tort in Pennsylvania

How Do These Affect My Claim?

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 you 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.

Exceptions to Limited Tort in Pennsylvania

Fortunately, there are exceptions to the harsh ramifications of a Limited Tort selection. These exceptions allow an injured individual bound by a Limited Tort selection to have Full Tort rights and to bring a personal injury claim that arises out of a motor vehicle collision. Exceptions include:

  • The negligent driver’s vehicle is registered in a state other than Pennsylvania.
  • The negligent driver is convicted or accepts ARD for driving under the influence of alcohol/controlled substances.
  • The injured individual was an occupant of a commercial, non-private passenger vehicle at the time of the collision
  • The injured individual was a pedestrian at the time of the collision.
  • The injured individual is a spouse/household relative of a family member that owns an uninsured motor vehicle
  • The injured individual suffered a “serious injury”

Whether an injury is considered “serious” or not is a grey area of the law. The court pays specific attention to the impact of the injury on the particular individual. Thus, the same injury could be considered serious for one person and not serious for another. For example, a right hand dominant office worker, such as an accountant or lawyer, who fractures his left hand can probably still work his or her job with only minor difficulties, while a concert pianist who suffers the same fracture will not be able to work for months and may never be able to play at the same artistic level again.


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


Get Help from a Philadelphia Injury Attorney

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, a skilled injury attorney in Philadelphia can help you resolve the matter.

For more information about full tort and limited tort and how these types of coverage may affect you after being injured in an accident, contact a Philadelphia personal injury lawyer from the Law Offices of Thomas J. Murphy, Jr. today!