Pennsylvania is unique when it comes to auto insurance when compared to other states. One debate you might hear around here that you do not in most of the country is whether to go for full tort or limited tort automobile insurance. For those unaware, full tort coverage allows the driver unrestricted rights to sue a negligent party after a car crash. Limited tort coverage costs less than full tort, but in exchange, the driver does not have as many options for a lawsuit against a reckless motorist.
Several Pennsylvanians have chosen to go with the limited tort option so they do not have to pay as much on their monthly premiums. Given how much they already have to pay for in their adult lives, it is understandable why they would choose this. Many of them are banking on not getting into an accident to make it all worth it. However, more Pennsylvanian drivers may want to consider giving full tort insurance a shot for the following reasons:
Exceptions are highly circumstantial
It is possible to retain full tort benefits in an accident with limited tort coverage. However, these exceptions are heavily based on the driver that causes the accident than the victim. Victims have a better chance to sue when:
- The other driver was driving under the influence or suicidal.
- The other driver lacks car insurance.
- The other driver’s vehicle is from another state.
- The victim was a pedestrian.
- The victim was the occupant of a non-private passenger vehicle.
While Pennsylvania has improved in reducing the amount of car crash fatalities in the last couple of years, it still has a high crash rate as a result of many reckless drivers as well as state specific hazards such as harsh winters and plenty of deer on the roads. How you get into a car crash can be very unpredictable, and if the driver that caused it has proper state insurance and wasn’t drunk, then you will have some difficulty seeking compensation for your injuries.
Serious injuries are subjective
Another exception to limited tort insurance is if the victim suffers any serious injuries from the crash. Unfortunately, your idea of a serious injury may not match your insurance company’s. Some victims who acquired disabilities from a crash or had lasting, painful side effects such as sore necks were unable to convince their insurance company and the court that they were in need of serious compensation for the permanent consequences.
These injuries could make daily tasks for you more painful or could even cost you your job if your career requires a lot of physical work. If you do not have full tort coverage in an event like this, then you may end up regretting it for the rest of your life. To get a better understanding of full tort, limited tort and other insurance options, you should speak to an attorney who can lay out the advantages and disadvantages of each plan to determine which one is the best for you.