Before it is possible to understand the differences between limited and full tort, it is first important to understand the similarities between the two types of Pennsylvania car insurance.
• medical expenses,
• lost income,
• property damage, and
• out of pocket expenses.
The most significant difference between full tort and limited tort coverage is the right of an injured person to recover damages for non-economic damages such as pain and suffering. Full tort insurance allows an injured person to recover for pain and suffering when they have been hurt in an accident. Limited tort insurance, however, only allows an injured person to recover for pain and suffering if they can prove that an exception to Pennsylvania limited tort law applies.
Despite this critical difference, it is important for people injured in Pennsylvania car accidents to know that they have rights to recovery and that they should not accept a settlement before understanding all of their rights so that they can get the recoveries to which they are legally entitled.