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December 9, 2021
Full Tort vs. Limited Tort
If you are the victim of an auto accident caused by another driver, you could incur serious injuries requiring extensive — and expensive — medical treatment. In Pennsylvania, you have the right to sue the at-fault driver for damages. Whether you have full tort or limited tort coverage determines the level of compensation you can legally pursue.
What is Tort?
“Tort” is a legal term referring to a wrongful act or an infringement of a right resulting in civil liability that causes an individual to suffer loss or harm. The concept behind tort law is that there should be legal consequences for an action that injures another.
Regarding auto insurance, a motorist who causes an accident due to running a red light, driving too fast or neglecting appropriate safety precautions can be held legally liable and could face a lawsuit filed by the injured party.

What Is Full Tort Car Insurance?
When you apply for an auto insurance policy in Pennsylvania, you can choose to carry full tort coverage. If you select this option, you have the right to sue the other driver for nonmonetary damages that extend beyond the medical costs that the driver’s liability coverage provides. You could receive compensation for the pain and suffering resulting from an accident that negatively impacts your quality of life.
While full tort enables you to seek a more substantial award, it also results in a higher insurance premium. Expect to pay up to 15% more for this coverage.
What Is Limited Tort Car Insurance?
You can also choose a policy with limited tort coverage. This protection is less expensive than full tort, as it restricts your rights to receive compensation. While the other driver’s insurance will still cover the cost to repair or replace your vehicle and pay your medical bills per your policy limits, you won’t be able to sue for additional pain and suffering damages.
Opting for limited tort could have significant financial consequences if you incur a catastrophic, life-altering injury that requires ongoing medical treatment or prevents you from earning a living.
Get Help Choosing Full vs. Limited Tort
Lewis Insurance and Financial is a full-service insurance agency in Pennsylvania that can help you determine which tort option is best for your situation. You’ll work directly with an experienced, professional agent who understands your needs.
Get in touch with us online for more information or request a free quote today.

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