Having full tort insurance in Pennsylvania has a number of benefits for drivers. One of the main benefits is that it provides more coverage than limited tort policies. With full tort, policyholders can pursue compensation for economic and non-economic damages due to an accident caused by someone else’s negligence, while limited tort policies limit your right to compensation for non-economic damages such as pain and suffering.
Full tort offers excellent financial protection if you are injured in an accident. While limited tort requires you to pay any medical expenses out of pocket, full tort will help cover those costs. Similarly, full tort will provide coverage towards any lost wages or earning capacity that may result from injuries sustained in a crash—something which is not provided by most limited tort policies.
In addition to providing more financial protection than limited tort policies, full tort also offers peace of mind, knowing that if you are involved in an accident, you have the ability to pursue justice through a lawsuit. Limited Tort does not offer this same security. This can be especially helpful for those who feel they have been wrongfully injured during an automobile collision and wish to pursue legal action against the other driver responsible for their injury.
Lastly, motorists with full tort insurance coverage enjoy the flexibility when deciding whether or not to accept a settlement offer from another party involved in the accident before going to court. On the other hand, policyholders with limited tort coverage would need to accept any settlement offer they receive since they do not have the right to go after compensation through a lawsuit based on their policy restrictions.
In conclusion, having full tort insurance over limited in Pennsylvania provides numerous benefits that cannot be understated. From providing additional financial protection and peace of mind to offering flexible options when faced with settlements or lawsuits; motorists who opt for full coverage are sure to be satisfied with their decision should they ever find themselves involved in an automobile collision due to another person’s negligence on the roadways of PA.
