Get a FREE Confidential Case Evaluation!

What is the difference between “Full Tort” & “Limited Tort” Insurance policies?

The experienced team of Insurance Lawyers in Bucks County, PA Law Firm of Kats, Jamison & Associates are knowledgable regarding the difference between full tort & limited tort litigation. When car insurance is purchased for your vehicle in Pennsylvania or New Jersey, you are given the choice between “Full Tort” and “Limited Tort” coverage options. Our Bucks County, and Montgomery County Lawyers understand that it may become confusing to differentiate between these two choices. A consumer might be incentivized to purchase limited tort just because it is more affordable than full tort. It is important to weight each of your options, so you understand exactly what these choices mean, especially if you are injured in an auto accident in the future.


With regards to Full Tort insurance coverage, if you are injured in an auto accident, you are given the right to pursue litigation for the purpose of receiving FULL compensation for your medical bills, lost wages and other potential damages. You and your loved ones may also sue for non-monetary damages such as pain and suffering, loss of companionship, and but not limited to loss of enjoyment of life. Due to the fact that you are buying full tort insurance, you are retaining all your litigation rights, holding the insurance company fully responsible for your accident if you unfortunately have one.


With regards to limited tort insurance policies, the insured purchaser will be entitled to compensation for medical bills, lost wages, property damage, and other potentially out of pocket expenses following a car accident. However, the distinction of these two options is the ability to sue for non-monetary damages such as pain and suffering, loss of companionship, and loss of enjoyment of life. Typically, limited tort policies give up your right to bring a lawsuit for non-monetary damages, in exchange for a reduced fee your insurance company bills you. Depending on the insurer, these reduced rates can typically fall between 10-20%.

It is essential to understand that when you choose Limited Tort Insurance, you are giving up your right to litigation, including the rights of anyone covered under your policy. This also includes limited insurance for any family members, and or passengers in other vehicles. .

If you have suffered injury in a Bucks County or Montgomery County due to an automobile accident, your most important concern should always be on your physical and mental wellbeing. Worry about your health, and we will take care of the rest.

If you or a loved one have suffered injuries due to a car accident, please do not hesitate to call 215-396-9001 to schedule a free consultation with the knowledgable Bucks County, Montgomery County, and Northeast Philadelphia lawyers at Kats, Jamison & Associates.