This is probably the most asked question our agents receive when we discuss auto insurance.  Under PA insurance law you need to decide if the Limited Tort or Full Tort is right for you. 

Limited Tort:  Limits your right to sue for pain and suffering, except in cases of serious injury.  This “limited-tort” option qualifies you for a reduction in your premium.

Full Tort:  Does not limit your right to sue.  This “full-tort” option is not eligible for a reduced premium.

What do I give up if I select the Limited Tort Option?  You are giving up the right to sue for non-economic damages, also know as “pain and suffering”, except when there is serious injury.  A serious injury is defined as death, serious impairment of a body function or permanent, serious disfigurement.  If your injury is determined to be serious, you will keep your right to sue for non-economic damages even if you have elected limited tort.

Are there any other exceptions if I choose Limited Tort?  Even if you’ve elected limited tort, you can still sue for pain and suffering under certain circumstances.  Common examples are when the responsible driver is convicted of or accepts Accelerated Rehabilitative Disposition for driving under the influence of alcohol or a controlled substance, or if the responsible driver’s vehicle is registered in another state.

Next week we answer questions regarding if you can sue for economic damages, unreimbursed lost wages or other out-of-pocket expenses. 

You can depend on The Weimer Group as your independent Trusted Choice Agent for expert guidance in protecting your insurance interests.  With offices in Harleysville and Perkasie we are here to serve you.