How to Choose Between Full Tort and Limited Tort in Pennsylvania

When purchasing car insurance in Pennsylvania, one of the most important — and often misunderstood — decisions is choosing between Full Tort and Limited Tort coverage. This choice can significantly impact your legal rights if you’re involved in an accident.

What Is Full Tort?

With Full Tort coverage, you preserve your right to sue for pain and suffering regardless of how severe the injury is. You can seek compensation for both economic and non-economic damages without restrictions.

What Is Limited Tort?

Limited Tort is a lower-cost option that limits your ability to recover non-economic damages unless your injury meets certain legal thresholds (such as permanent disfigurement or death).

Cost Differences

• Limited Tort policies typically cost 15–20% less than Full Tort.
• However, these savings could pale in comparison to what you give up in legal rights after a serious accident.

When Limited Tort May Not Apply

Even with Limited Tort, you may still sue in full if:

• The at-fault driver was convicted of DUI
• You were a pedestrian or bicyclist
• The other driver is uninsured

Which Should You Choose?

If budget is your top priority and you're comfortable with some legal limitations, Limited Tort might be worth considering. But if you want full legal protection in any accident, Full Tort offers peace of mind.

Additional Resources

To learn more, visit the Pennsylvania Insurance Department for official coverage guidelines and examples.

Bottom Line: Understand your legal rights — don’t just chase the cheapest premium. Choose coverage that truly protects you.