Understanding Limited Tort Insurance in Pennsylvania: What You Need to Know
If you live in Pennsylvania, choosing the right auto insurance can have a significant impact on your legal rights after an accident.
In our ongoing series, Pa personal injury attorney, and ARM Lawyers founding partner, Joshua B. Goldberg discusses limited tort insurance.
Limited tort insurance, a more restricted option than full tort coverage, is something you need to fully understand before selecting your coverage.
What is Limited Tort Insurance?
Limited tort insurance is a more restrictive type of auto insurance coverage that limits your right to sue in the event of an accident.
While it may offer lower premiums, the trade-off is that your ability to pursue compensation is significantly reduced.
With limited tort, you can only recover damages for medical bills and lost wages, meaning you cannot sue for pain and suffering, inconvenience, or loss of life’s pleasures unless certain exceptions apply.
When Does Limited Tort Insurance Apply?
Under a limited tort policy, your ability to pursue compensation is restricted to tangible losses like medical expenses and wage loss.
You are not entitled to recover for non-economic damages, which can often be the most significant after a serious accident.
Are There Exceptions to Limited Tort Insurance?
Yes, while limited tort restricts your ability to sue, there are several important exceptions that allow you to pursue full compensation in certain circumstances. These include:
1. The other driver was under the influence of alcohol or drugs – In this scenario, you are automatically upgraded to a full tort status, giving you the right to seek full compensation, including non-economic damages.
2. The other driver was from out of state – If the vehicle involved is registered outside of Pennsylvania, you can pursue a full tort claim.
3. The accident occurred while you were in a work vehicle – If the accident happened while you were driving a vehicle for work purposes, you are considered to have full tort rights.
4. Serious injury exception – This exception is more complex. The law doesn’t define a serious injury clearly, and it’s determined on a case-by-case basis. Generally, if the injury is severe enough to cause long-term disability or impairment, you may qualify for full tort.
Is Limited Tort Insurance Right for You?
While limited tort may seem like a cost-saving option, it’s crucial to weigh the long-term risks.
If you’re involved in an accident and don’t qualify for one of the exceptions, you may be left unable to recover compensation for pain, suffering, and other significant impacts on your life.
That’s why many legal experts recommend opting for full tort insurance, which provides the most comprehensive protection.
Need Help Reviewing Your Insurance?
Choosing the right insurance coverage is essential for protecting your rights in the event of an accident. At ARM Lawyers, we’re here to help you understand your options and make sure you’re fully covered.
Contact us today to review your insurance policy and ensure that you and your loved ones have the right protection in place.
If you’re looking for more information about choosing the right auto insurance in Pennsylvania, check out attorney Joshua B. Goldberg’s free book: “The Essential Pennsylvania Auto Insurance Buyers Survival Guide”
