Full Tort & Limited Tort in Pennsylvania
How Do These Affect My Claim?
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.
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.
- The negligent driver’s vehicle is registered in a state other than
- 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
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!