What is the importance of knowing “Limited Tort” or “Full Tort” according to Pennsylvania insurance structure?
Limited tort is Pennsylvania’s version of the “verbal threshold.” The Pennsylvania Motor Vehicle Financial Responsibility Act requires insurance companies to give the insured the option of selecting “Limited Tort” or “Full Tort.” Under a Limited Tort insurance policy, which may be a little cheaper for premium purposes, you will not be able to sue for pain and suffering unless you sustain a serious or permanent injury which has been defined by the Pennsylvania Courts as a “serious impairment of a bodily function.” Thus, the Limited Tort option severely reduces the insured’s ability to receive compensation for injury while only marginally reducing the premium expense.
