Full vs. Limited Tort in Pennsylvania

When choosing auto insurance in Pennsylvania, one of the most important decisions you'll make is whether to select limited tort or full tort coverage. With limited tort, you typically pay lower premiums, but your ability to sue for pain and suffering after an accident is restricted—unless your injuries are considered serious, such as those involving significant impairment or disfigurement. This option can save money upfront but may limit your legal recourse later. On the other hand, full tort coverage allows you to retain unrestricted rights to seek compensation for pain and suffering, regardless of injury severity. It generally comes with a higher premium, but offers more comprehensive legal protection if you're ever hurt in an accident.

Choosing between limited and full tort is a personal decision that depends on your budget, risk tolerance, and how much protection you want if the unexpected happens. It’s not always an easy call, but understanding the difference can help you make the best choice for you and your family. If you have questions or want to go over your options, reach out to The Pollick Agency today. We're here to walk you through your coverage and help you make an informed decision with confidence.