What is tort to do with Auto. Insurance?

Question

I am getting automobile insurance and they want to know if I want full tort included or limited tort? I don't know what that is?

Answer 1

You can ask them to explain, this sounds like PA.  These have to do with your ability to sue the at fault party for injuries in an accident that was not your fault.  Full tort would be - you can sue the other party for pain & suffering for ANY injury.  Limited tort would be you could only sue for serious injuries.  You would have to ask your agent what is meant by serious inuries in your state because each state is different.  Serious injuries usually EXCLUDES soft tissue injuries like whiplash.  

Of course, if you choose full tort, your insurance premium will be higher than if you choose limited tort.

Answer 2

Ok, do you live in PA by any chance? Here's how it works. There is a premium difference, so that may be a factor in your decision. If you select Full tort (it costs more) that means if you have an accident and someone else is at fault and you are injured you can make a claim for your pain and suffering. If you elect limited tort (it's cheaper) you cannot make a pain and suffering claim. You can only recover for your out of pocket expenses.

I've bookmarked this site to go back to...

http://www.knowledged.info/go.php?link=i...

All the best to you.