What is the difference between limited tort and full tort?
In Pennsylvania, every person who maintains an auto insurance policy must select either “Full Tort” or “Limited Tort” coverage. If you select “full tort” you and your family have the right to present a claim for bodily injuries against a driver who causes an accident, even if your injuries are considered minor (although the injuries may not be minor to you). However, if you select “limited tort” your insurance company will give you a small reduction in your insurance costs, usually about $150 to $300 per year per car insured. In exchange you and your family waive the right to present a claim for bodily injuries unless those injuries are considered to be “serious injuries,” which are defined in the motor vehicle insurance law to be injuries which result in death, permanent serious disfigurement or serious impairment of bodily function. In order to be considered serious an injury must have significantly affected your ability to perform your normal activities of daily living for a long pe
