Author Topic: PA (or similar state) Auto: Full Tort vs Limited Tort?  (Read 3199 times)


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PA (or similar state) Auto: Full Tort vs Limited Tort?
« on: March 25, 2018, 08:07:00 AM »
I am in the process of moving to Pennsylvania and will need to switch auto carriers. One of the unique things I found out about Pennsylvania is they have an option of "Full tort" vs "Limited tort". I'm not sure if other states have something similar but I was wondering what brighter minds than I think about it and if it's worth it. I haven't put in the exact differences for a quote yet, but I believe you can save ~15% by choosing the "limited tort" option rather than the "full tort." A few references for those who are unfamiliar:

From my reading it seems like the "limited" option puts restrictions on how much you can be awarded with in regards to "pain and suffering." It seems a little vague so I wanted to see if anyone else from this forum has any thoughts/experiences. I certainly subscribe to the "insure what you need and self-insure the rest" philosophy, but since I don't fully understand this option, I would like to know what the best option is going forward. Thank you.