What Is Limited Tort?

Published on April 12, 2011 By Jon Ostroff
Pennsylvania is one of only a handful of states that force their insured drivers to choose between “limited tort” and “full tort” car insurance.

When you purchase car insurance in Pennsylvania, your decision whether to choose limited tort or full tort coverage is an important decision that you need to make. Choosing limited tort car insurance coverage can affect every member of your household.

Limited tort auto insurance policies are slightly less expensive and can limit your recovery for some injuries or damages. Once you have been injured in an accident, many insurance companies will convince limited tort policyholders that they are not entitled to compensation for their pain and suffering. Often times, the insurance adjuster is not telling you the truth and is simply trying to avoid paying you what you are entitled to.

Limited Tort Coverage Is Not a Ban on Many Pain and Suffering Claims
You may be entitled to money for your pain and suffering even if you have a limited tort policy. You are entitled to compensation for your pain and suffering if:

  • You Suffer a Serious Injury: Let us tell you whether your injury is serious enough. Don’t trust the insurance adjuster’s opinion on this!
  • There are some situations where an automatic exception to limited tort applies, even if you don’t have a “serious” injury. Let us explain these exceptions to you.
  • You did not sign the insurance documents necessary to be considered limited tort. We will not charge you to investigate whether you signed the documents required to bind you to limited tort.

Limited Tort Policies Do Not Effect Certain Types of Damages or Losses
Many types of damages or losses that you incur in an auto accident are recoverable, even if you are bound by limited tort.  For example, even with limited tort, you can be reimbursed for:

  • Out of pocket Medical Expenses, such as:
    • medical bills that you incur after you use up your medical coverage;
    • medical insurance co-pays;
    • bills that are not covered, but are related to injuries you sustained in an auto accident;
  • Lost Wages
  • Damage to your car
  • Almost any other accident-related bills or personal property that is damaged or broken in an auto accident, such as eyeglasses, cell phones, GPS, computers or clothing, etc.

Many insurance companies and many car accident lawyers try to convince Pennsylvania accident victims that because they are bound by limited tort, they are not entitled to a recovery. Call us today if you have been hurt in a car accident and let’s talk about your options.  If we believe that you have a chance of recovering money for your injuries, then we will represent you and you will not pay us a penny unless and until we get you money for your losses.

I have proved other lawyers and insurance companies wrong and helped hundreds of Pa accident victims with limited tort. Read more about some of these success stories by clicking here.