What is the difference between limited tort and full tort insurance coverage?

Limited tort coverage restricts your right to get financial compensation for injuries and other losses in the aftermath of a collision with an at-fault driver. Claimants can seek to obtain compensation for medical bills and other related out-of-pocket costs, but cannot recover for pain and suffering or other similar non-monetary losses, unless the injuries are serious, often involving impairment of a body function, or permanent, serious disfigurement. Other exceptions exist that allow for full recovery, such as the at-fault driver being out of state, the injured person being a pedestrian, or the at-fault driver being intoxicated.

Full tort coverage has a slightly higher premium but offers the right to seek compensation for injuries and other losses. All medical treatment expenses can be recovered, and you are eligible to be compensated for pain and suffering and other non-monetary losses. The injuries under full tort do not need to meet a threshold to qualify an injured victim.

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At our firm, we are familiar with car accidents and understand that all collisions are not the same, so our approach to each case is also different. Your Erie personal injury lawyer from Melaragno, Placidi & Parini has your back.