Today’s question comes from Frank from Scranton. Frank asks, should he choose limited tort in order to save some money on his auto insurance premium? Tort – T-O-R-T – is a civil wrong. By having full tort coverage, you have the ability to obtain a full recovery. By choosing limited tort, you give up some important rights, and you give up your right to recover anything but economic loss unless you have a serious injury. And in Pennsylvania, a serious injury is defined pretty strictly.
The bottom line is, if you have a limited tort, it’s very unlikely you’re going to have a lawyer to help you because most cases are going to be rejected unless you have a very serious injury. You only save about 15 percent on your premium, so on a $1,000 policy, about 150 bucks. So, clearly, full tort is your best option.
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