SUNDAY, SEPTEMBER 6, 2009
Full and Limited Tort are options that you can choose under your auto insurance policy as a result of the Pennsylvania motor vehicle financial responsibility law. Limited Tort allows you to save on your premiums by waiving your right to recover certain damages, such as payments for pain and suffering, unless the injuries you sustain in an automobile accident meet one of the exceptions we defined in our blog on 10/02/09. Full Tort allows you to retain unrestricted rights to bring suit against the negligent party following an automobile accident.
If I choose limited tort, can I still sue for my economic damages, such as unpaid medical bills, unreimbursed lost wages or other out-of-pocket expenses?
Yes, you can still sue to recover these damages.
What do I get in return for choosing limited tort?
You could receive a reduction in premium for choosing limited tort. The premiums that receive the reduction are bodily injury, first-party benefits, uninsured and underinsured motorist coverage.
How do I know what I should do?
Making such a personal decision about your options is yours – and your alone under the law. As your professional independent agency, we can help explain these tort options and your policy coverage choices. Our agency’s job is to help provide you with information on these choices so that you can make informed decisions.
You can depend on The Weimer Group as your independent Trusted Choice Agent for guidance in protecting your insurance interests. With offices in Harleysville and Perkasie we are here to serve you.