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.
Other Car Accident FAQs:
- How do I know if the insurance company offered me fair settlement?
- I was involved in a car accident and was pretty badly injured. Do I have to file a claim under her personal injury protection (PIP) coverage?
- I was involved in a car accident, but had no immediate injuries. Now, I feel my injuries. What should I do?
- I was the victim of a hit and run accident. What should I do now?
- What is the difference between limited tort and full tort insurance coverage?
- What is the statute of limitations in Pennsylvania?
- While driving to work I was hit by another vehicle. What happens if the other driver does not have insurance?
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