What is the difference between Full Tort and Limited Tort?
A “full tort” policy enables the injured individual to collect full compensation for their injuries, caused by the fault of another person, without limitation related to their injuries. A “full tort” individual may require compensation for their out-of-pocket economic losses and pain and suffering. A “limited tort” policy severely restricts a victim’s right to compensation for their pain and suffering. A “limited tort” individual may only receive compensation for pain and suffering if their injuries are “serious.” The courts have interpreted “serious injuries” to be those that “substantially impair life activities.” As a result, some courts in Pennsylvania have held that a broken leg suffered in an automobile accident was not “serious.” It is highly recommended that all individuals elect “full tort” in order to preserve their rights if they are the victim of an automobile accident.
