Car accidents are a common occurrence in Pennsylvania, and the state has specific laws in place to protect drivers and passengers who are injured in these accidents. One of the most important aspects of these laws is the concept of tort, which is a legal term that refers to a person’s right to seek compensation for damages caused by another person’s negligence. In Pennsylvania, drivers have the option of choosing between two types of tort coverage: full tort and limited tort. Understanding the differences between these two types of coverage is essential for anyone who has been involved in a car accident in Pennsylvania.
Full Tort Coverage
Full tort coverage is the more comprehensive option for car accident victims in Pennsylvania. With full tort coverage, an injured person has the right to seek compensation for both economic and non-economic damages, such as medical bills, lost wages, pain and suffering, and emotional distress. This type of coverage also allows an injured person to sue the at-fault driver for punitive damages, which are intended to punish the driver for their negligence. https://munley.com/car-accident-lawyer/full-tort-vs-limited-tort-in-pennsylvania/
Limited Tort Coverage
Limited tort coverage is a less expensive option than full tort coverage, but it also provides less protection for car accident victims. With limited tort coverage, an injured person can only seek compensation for economic damages, such as medical bills and lost wages. They cannot sue the at-fault driver for non-economic damages or punitive damages. Additionally, an injured person with limited tort coverage cannot sue the at-fault driver unless their injuries meet certain criteria.
Choosing Between Full Tort and Limited Tort Coverage
When choosing between full tort and limited tort coverage, it is important to consider the potential costs associated with each option. Full tort coverage is more expensive than limited tort coverage, but it provides more protection in the event of an accident. On the other hand, limited tort coverage is less expensive but provides less protection. Ultimately, it is up to each individual driver to decide which type of coverage is best for them.
Car accidents can be devastating, and it is important for drivers in Pennsylvania to understand their rights when it comes to seeking compensation for their injuries. The two main types of tort coverage available in Pennsylvania are full tort and limited tort. Full tort coverage provides more protection than limited tort coverage but is more expensive. Ultimately, it is up to each individual driver to decide which type of coverage is best for them.