The differences between full and limited tort auto insurance coverage can often times be confusing and difficult to understand. The primary difference between full and limited tort coverage is that full tort coverage allows for the recovery of damages for pain and suffering incurred as the result of an accident for which you, the driver, are not at fault. This means that if you are involved in an auto accident and the other driver caused the accident, then you and other members of your household are able to recover monetary damages for the pain and suffering incurred as a result of the accident.
Alternatively, if you have limited tort coverage, then you and the other members of your household are barred from recovering damages for pain and suffering unless the driver of the other vehicle was at fault and one of the following conditions are met:
1. The accident causes serious bodily injury resulting in death, disfigurement, or other permanent serious injury;
2. The other driver is convicted or accepts Accelerated Rehabilitative Disposition (ARD) for driving under the influence of alcohol or a controlled substance;
3. The other vehicle is registered out of state;
4. The other driver intended to injure or kill himself or another person;
5. The other driver is uninsured;
6. The other driver is in the business of designing, manufacturing, maintaining or repairing motor vehicles; or
7. You are injured as the passenger in a vehicle that is not a private passenger motor vehicle, such as a bus or taxi.
The exception for "serious bodily injury" is narrowly defined and does not follow what an average person would generally consider to be a serious injury. Injuries resulting in broken bones and fused vertebrae have been ruled in Pennsylvania courts to be non-serious.
Opting for full tort instead of limited tort coverage will only add an additional 10-15% to your car insurance premium. However, the additional costs are far outweighed by the benefits in coverage received when opting for full tort.
DO NOT ALLOW THE AUTO INSURANCE INDUSTRY TO TAKE AWAY YOUR RIGHTS TO RECOVER MONETARY DAMAGES WHEN YOU OR YOUR LOVED ONES ARE INJURED IN A CAR ACCIDENT. CONTACT AN EXPERIENCED PENNSYLVANIA AUTO ACCIDENT ATTORNEY AT ADAMS RENZI LAW TODAY.