Tort & It’s Importance in Your Auto Policy

Navigating your way through an auto insurance policy can be a whirlwind. There are many pieces to consider when customizing your policy to fit your needs. We wanted to take a minute and help explain what Tort is and why it comes in two options: Limited-Tort and Full-Tort.

Both options allow for you to sue for economic damages such as unpaid medical bills, unpaid wages lost and out-of-pocket expenses. Your selection of tort applies to your ability to sue others for non-economic damages under your policy. Should you be at fault in an accident, the other person’s choice in tort determines their ability to sue you. The premium on other parts of your auto policy, like comprehensive and collision, will not be affected by your choice of full- or limited-tort.


Full-Tort This option does not limit your right to sue and does not come with a reduced premium.

Limited-Tort This option qualifies you for a reduction in your premium.  Choosing limited-tort means you give up the right to sue for non-economical damages. This is more commonly known as pain and suffering. One of the only times you could sue for non-economical damages with limited-tort would be in the case of serious injury, defined by the law as death, serious impairment of body function or permanent, serious disfigurement.

It is important to pick the policy that best fits your needs and budget. Our Insurance Services team is available to help explain your options and find the policy that is best suited for your lifestyle. Call today for your free quote at (800) 283-2328, ext. 5245!*

*Insurance services are available in Pennsylvania and Maryland only. 

  1. No trackbacks yet.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: