Pennsylvania is known as the “choice” no-fault insurance state. A driver can decide whether he or she wants to retain the right to sue for damages following a car accident. The level of premiums the driver will pay is affected by whether he or she chooses the Limited Tort option or goes with the Full Tort system.
Under the Limited Tort option, Pennsylvania car insurance customers can save up to 25 percent on the cost of their car insurance coverage. They can also get compensated for medical bills and expenses relating to the accident. Customers who choose Limited Tort are not able to get paid for pain and suffering unless their injuries are serious.
If a driver wants to retain the right to sue for damages following a car accident, they can choose the Full Tort option. In return for this privilege, they will have to pay higher premiums.
Before making a decision about which type of coverage is best, drivers should consider each option carefully. The Limited Tort option may mean receiving compensation quicker than suing to recover damages. The Limited Tort plan doesn’t close the door on litigation entirely, but the level of injuries must meet the threshold first. The Full Tort option gives drivers the right to sue, but they will need to pay more for the privilege.
Since pricing for each option varies greatly, getting quotes for each option is also important. By comparing coverage levels and cost, consumer can make a choice that makes sense to them.