Is it a good idea to save money by purchasing Limited Tort automobile insurance?
No. While it is true you may save a tiny amount of money by electing limited tort rather than full tort, people never receive adequate compensation for injuries sustained in an automobile accident when they have elected limited tort. A person can recover non‑economic damages with limited tort if they are killed, sustain permanent serious disfigurement, or sustain serious impairment of body function. The problem is that the courts have construed the term “serious impairment of a body function” very narrowly so that it quite often would not cover broken bones, may not cover ruptured discs, concussions, contusions, abrasions, lacerations or any other of a number of physical injuries which might incapacitate a person for months and yet not result in a “serious impairment of bodily function.” Additionally, if you have limited tort, this creates a jury issue and a bargaining point for the insurance adjuster who would be handling your claim, and in today’s climate, when the public has been le
