Everyone is looking to save money with todays economy, however for Pennsylvania motorists electing limited tort on your automobile insurance policy over a full tort selection is not a wise savings decision. In Pennsylvania by selecting limited tort you are limiting your right to sue another regardless of their negligence except in certain limited situations. With a limited tort selection if you survive the accident and your injuries are less than permanent in nature and you didn't get injured by a drunk driver or a person driving a vehicle registered in a state other than Pennsylvania, and you otherwise weren't a pedestrian or operating a bicycle, motorcycle or a passenger on a commercial vehicle such as a bus, taxi, or a passenger in a tractor trailer, you may be precluded from filing a lawsuit or settling with the other party for your injuries because of your limited tort selection.
Many people become confused with full coverage and full tort language. They are not the same. Having "full coverage" does not mean you elected the "full tort" option of your automobile policy. Full coverage is good insurance protection for your automobile, but full tort selection is what is needed for good insurance protection for yourself and your children since your children and relatives in your household are bound by your tort selection.
Call you auto insurance representative today to discuss your tort selection. If your trying to save money in todays economy, discuss with your auto insurance representative the possibility of lowering your coverage limits and utilize those savings to offset the slight insurance increase for selecting the full tort option.