Limited Tort Coverage In Pennsylvania and its Impact on Car Accident Victims

Every Pennsylvania car owner has to make a choice about their car insurance: Full Tort or Limited Tort coverage. At the time you made the choice, you probably had no idea what you were being asked other than if you chose limited then you paid less for your coverage.  Saving money is always a good idea right? 

What is Limited Tort coverage and should you care? Limited Tort coverage election can have a significant effect on your ability to seek justice and monetary compensation if you are injured in a car accident. Limited tort means that you are choosing to severely limit your  ability to file suit and to recover money if you are injured. Limited tort means that you may not be able to make a claim for damages if someone else injures you in a car accident.

In saving 10% of your insurance bill you are giving  up the ability to recover damages when you’ve been injured in most cases. As a practical example, if you are sitting at a stop sign and someone hits your car from behind. You are injured and an ambulance takes you to the hospital. The doctor runs some tests and refers you for physical therapy.

In the meantime you have bills to pay and kids to care of because life doesn’t stop when you are injured. Under limited tort, your medical bills will be paid but you will not get any compensation for the impact on your life and the pain you have, which may well be life-long. With this in mind, the question becomes “is limited tort a good deal?”  Our firm thinks that it is not and always recommends that you purchase full tort coverage.

We would be happy to discuss Limited Tort and its impact on your case with you.

Contact Attorney Ross Now

(814)-274-8612

From offices in Coudersport, Potter County, Pennsylvania, the attorneys at Ross and Ross, LLC serve the personal injury, bankruptcy, social security disability, divorce and family law needs of Western, Northwestern, Central and North Central Pennsylvania including the communities of Coudersport, Galeton, Shinglehouse, West Branch, Smethport, Port Allegany, Bradford, Roulette, and Wellsboro, as well as Potter County, McKean County, Tioga County, Cameron County, Bradford County and other areas of Western PA and Central PA.