So, you go to your insurance agent to renew your auto insurance. Your agent tells you that you can save money with the Limited Tort Option. Sounds great! Who wants to spend money on insurance?? Not so fast. In exchange for minimal savings, you could be trading off important rights of recovery, even if the other driver is at fault.
Limited tort and full tort were instituted to limit certain claims arising from auto accidents. Insurance companies make money, among many other ways, by collecting as many premiums as they can and paying as few claims as necessary. If you have Limited Tort coverage, your rights to recover for non-economic damages will be limited or eliminated all together. Limited torts eliminate your right to recover for pain and suffering and may limit you to recovery of lost wages or medical expenses. If you have Limited Tort, even if you have some long term residual effects of a motor vehicle accident, you may be waiving your right to recover for these potential life long consequences.
The Patberg Law Firm strongly recommends that you choose Full Tort. The minimal monthly savings are far outweighed by your right to be fully protected for all consequences caused by a negligent driver. Full tort protects your future. If you have questions regarding Limited Tort vs. Full Tort coverage, contact Attorney Rolf Louis Patberg at The Patberg Law firm at 412-232-3500 or email Attorney Patberg at Rpatberg@patberglawfirm.com.
For more information regarding your auto insurance coverage, see the previous articles in this series: