In the case of a personal injury claim, one of the first questions an attorney may ask is what tort coverage does a person have on their auto policy. When you buy car insurance, providers are required to give you the choice between limited or full tort. Many people do not fully understand what these options include and how they differ.
Limited Tort limits your right to sue for pain and suffering, except in cases of serious injury. There are other certain circumstances that you may have a right to sue. An example might be if the responsible driver was driving under the influence of alcohol or another substance. Remember that this applies to your right to sue. It does not provide protection from being sued if you are the at fault driver.
Full Tort does not limit your right to sue regardless of the extent of injury, as long as the accident was not your fault.
What is Considered Serious Injury?
The law defines serious injury as death, serious impairment of body function or permanent, serious disfigurement. If you have elected limited tort yet your injury is determined to be serious, you will still have a right to sue for non-economic damages.
Counting the Costs
Selecting limited tort can save you money on your premium, up to 40 percent in some cases. Although you are saving money it is important to keep in mind what the future could hold. It is hard to anticipate the long term affects that an accident can have on your health. It is important to discuss with your agent the coverage you have and what your options are. The team at Barrick Insurance would be glad to answer any question that you may have. Give us a call at (717) 632-7270.