Ask the Attorney: What's Up With Full Tort Versus Limited Tort Coverage?

I have a car insurance policy with limited tort coverage tosave on my premiums, but I have heard this could cost me dearly if I am ever in a car accident. What are the risks of having limited tort versus full tort coverage?

In Pennsylvania, drivers can choose between two kinds of personal injury coverage in their auto insurance polices: full tort coverage, and limited tort coverage.  This is an important choice that can have a profound effect on what insured drivers can recover from their insurance companies when they are injured in a car accident.  Full tort coverage not only permits injured drivers to make an insurance claim for their direct, out-of-pocket medical expenses arising from a car accident, but it also allows them to make a claim for pain and suffering.  Limited tort coverage, on the other hand, prevents injured drivers from pursuing claims for pain and suffering in most circumstances. Unless state law recognizes that an injury is sufficiently …

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