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Limited Tort vs. Full Tort

Life is full of challenging choices, especially in regard to money. So when investing in auto insurance, you can save money on your monthly premium or spend a bit more to gain more (security, that is) in the long term.

In Pennsylvania and New Jersey, drivers are highly encouraged to opt for the Full Tort option as opposed to Limited Tort. What difference does this choice make? In the event of an accident—everything.

If you choose the Limited Tort option in Pennsylvania, also known as the Lawsuit Threshold option in New Jersey, you would not be able to bring a claim unless you’ve suffered substantial impairment of bodily function as a direct result of the vehicle accident. Therefore, with a lack of severe and lasting bodily harm, you would have to take legal measures to obtain compensation for pain and suffering. In other words, you’ll have to take it to court and place this decision in the hands of a jury.

This situation can get rather inconvenient for the accident victim but proves to be ideal for insurance companies who don’t want to pay out.

With the Full Tort option (or Zero Threshold), you’ll gain peace of mind. If you’re involved in an accident, the person who is responsible will have to pay for your out-of-pocket expenses such as:

  • Medical bills

  • Loss of wage

  • Pain and suffering

  • Physical compromise

Basically, any aspects of life—from an inability to sleep or function to the effect on your spouse, if you’re married—would be covered.

So as you shop for and compare different insurance policies, keep the Full Tort option in mind. This would provide optimal protection against the catastrophes that often accompany vehicle accidents.

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