Pennsylvania allows drivers to choose between full tort and limited tort when purchasing auto insurance.
Full tort allows for an injured party to being compensated for pain and suffering while limited tort will not. Full tort is usually slightly more expensive than limited tort. Limited tort only allows for compensation for economic losses such as pain and suffering and medical expenses.
Fortunately, there are exceptions when an injured party has limited tort coverage.
1. Out of state vehicles – If a vehicle that is registered out of state hits you, your limited tort coverage is viewed as full tort coverage.
2. Commercial vehicles – If you are an operator or passenger of a commercial vehicle, your limited tort coverage is viewed as full tort coverage.
3. Drunk driver – If the driver that hits you is convicted of a DUI or accepts Accelerated Rehabilitative Disposition (ARD), your limited tort coverage is viewed as full tort coverage.
4. Serious Injury – While “serious injury” is a relative term, for the purpose of full tort coverage serious injury would need to be loss of limb(s), paralysis, etc. Case law helps to determine what courts view as serious.
If you or a loved one have limited or full tort coverage and have been injured, contact us today for a free consultation.