Regarding personal injury protection and auto insurance premiums, drivers in Pennsylvania want to know that their quality of life is protected should they get into a car accident. Those with a driver’s license in Pennsylvania can choose between full or limited tort coverage when applying for car insurance. While many drivers wonder about the differences between full and limited tort, it mostly comes down to the price and the ability of drivers to sue after vehicle collisions. Explore what tort laws and rights in Pennsylvania apply to you and which option might best fit your needs.
Exploring Tort Laws and Rights
Pennsylvania Statutes Title 75 PA.CSA Vehicles ยง 1705 considers Pennsylvania a no-fault state, which helps limit the driver’s right to sue after a car crash. You will have agreed to the no-fault rules if you have limited tort insurance. In comparison, full tort coverage allows drivers to opt out of the system and receive better protection should they get into a car crash.
Pennsylvania tort laws and rights allow you to pay for full tort car insurance, where you can sue for car accident pain and suffering. Limited tort insurance does not allow for compensation. While the monthly premiums are lower, through Pennslynvia law, you are legally signing away your right to sue after a car accident. Explore which types of liability insurance may apply to your lifestyle and fit your budget.
What Is Full Tort Auto Insurance?
Full tort auto insurance allows drivers to sue at-fault parties for compensation for pain and suffering. If you’ve been in an accident in central Pennsylvania, you may have been injured and are looking for compensation. While many losses, like car repair and replacement, are straightforward, other injuries and effects may have long-lasting implications.
For example, spinal injuries may create a lifetime of reduced mobility, aches and pains or large medical bills. You may also need to see a doctor several times a year, increasing your costs and fees. Others may even see their personal relationships or careers affected.
Compensation through full tort coverage can help reduce the effects of nontangible costs as well as the burden of pain and suffering. Full tort coverage also improves the quality of life should you need resources to pay for counseling, medical bills, lifestyle adjustments and changes or extra costs.
What Is Limited Tort Auto Insurance?
Limited tort auto insurance limits your ability to seek compensation for at-fault drivers after a car crash. In Pennsylvania, limited tort options allow you to sue for monetary damages like lost wages, out-of-pocket expenses or medical bills. However, you won’t be able to sue for pain and suffering or long-term problems, except in the case of serious injuries, which may include:
- Lost limbs: Lost arms, legs, hands or feet.
- Disfigurement: Injuries that disfigure the body or face.
- Impairments: Injuries with impairments, such as paralysis.
- Traumatic injuries: Traumatic injuries to the brain, head or body.
The driver must request limited tort coverage, as Pennsylvania automatically gives most drivers full tort coverage instead.
Do You Need Auto Insurance Protection in Central Pennsylvania?
For drivers in Harrisburg, Camp Hill or other central Pennsylvania communities, finding reliable auto insurance will ensure peace of mind when dealing with difficult car crashes, liability, medical bills and possible compensation. Strock Insurance can help you find the right driver’s insurance that works for you, whether you want to explore full or limited tort coverage. Contact us today to speak to a representative, or request a quote online to find options to fit your needs.