Limited tort and full tort are options on Pennsylvania car insurance policies. Limited tort is often pushed by the insurance companies as being more attractive than full tort because it is less expensive; however, what the insurance company doesn’t tell you is that the savings is minimal and if you or a loved one is injured because of someone else’s negligence you have given up your right to make a claim for pain and suffering except under limited circumstances.

A benefit of hiring our experienced Pennsylvania accident attorneys after you have been injured in a car accident is that sometimes even if you have limited tort you can still be considered full tort under the following scenarios:

  • If you have a serious injury.
  • If you were driving or were a passenger in a commercial vehicle.
  • If the person who caused the collision is accepted into the A.R.D. program or convicted of a D.U.I.
  • The person who caused the collision has a license plate from out of state.
  • You were a pedestrian when struck.

People with otherwise legitimate claims have had their cases dismissed because they only had limited tort on their policy. Therefore, it is important that full tort be selected on the auto insurance policy for full protection of both you and your family.

Remember, if other family members live in your household and do not have an automobile insurance policy, they are considered to have the tort option the person with insurance has elected. For instance, if you have children and they are involved in an automobile collision, then they are considered to have the same tort option as a family member in the household with automobile insurance.

A car collision is traumatizing enough, fighting with your insurance company or stressing over how you’re going to pay your bills shouldn’t be your focus; your focus should be on recovering and putting your life back together.


It is of the utmost importance that you hire our PA accident attorneys to handle your car accident claim; it has been proven that personal injury victims obtain far more money once they hire an attorney.

Never agree to a quick settlement. The job of an insurance adjuster is to pay you the least amount of money possible to settle your claim. There are many exceptions and technicalities to all of the above that if you are not aware of could cost you hundreds of thousands of dollars. Our car accident lawyers are experts when it comes to dealing with insurance companies and will fight aggressively on your behalf to get you or your loved one the compensation you deserve.

Call us toll free at 1-800-444-5309 for your free consultation now.