Full Tort or Limited Tort? Which Option is Right for You?
If you live in Pennsylvania then you might be wondering what some of the terms are on your automobile insurance. We’ve all heard the terms “limited tort” and “full tort,” but do we all know what they mean? When it comes to the specifics on your automobile policy, it’s important to understand what each category means so that you are aware of your benefits and limitations. At the Bachmann-Zeitlin Insurance Agency, we help take some of the mystery out of your individual car insurance policy.
In Pennsylvania, drivers have a choice when it comes to choosing either limited tort or full tort on their car insurance policies. Limited tort forfeits an individual’s right to compensation for pain and suffering in the event of an accident. Some people opt for limited tort because it helps offset the price of your overall premium for the year. Full tort, on the other hand, allows an individual to sue for pain and suffering in the event of an accident. If you are wondering which option might be best for you as you make your selection about auto insurance in Philadelphia, PA, the experienced agents at Bachmann-Zeitlin can assist.
While limited tort might sound like a great idea at first glance because you can save a few bucks, it’s important to consider the big picture. Most people who have been injured in an accident will tell you that full tort is the better option. For the most part, the few dollars that you might save on your premium every month with a limited tort options just aren’t enough to make up for the physical and emotional damages incurred in the event of an accident.
Another point to consider is that with limited tort, you essentially waive your right to compensation for any lasting effects in the event of an accident. Many Pennsylvania drivers don’t realize that the difference between the two options is pretty significant and that by choosing limited tort they might be making a wrong yet lasting decision. At Bachmann-Zeitlin, we can help you decide which option is right for your individual automobile insurance plan. If you still need help deciphering the logistics of your car insurance in Philadelphia, PA, then give us a call and see how we can help.