The Limited Tort Car Insurance option should be called “Limited Coverage” – it has a confusing name – just confusing enough that people choose it without knowing any better.
When you choose the “Limited Tort” option when you renew your car insurance you should be aware what you are choosing.
There are only two possible options 1.. Full Tort or 2 . Limited Tort
Yes, you will pay lower car insurance premiums if you choose Limited Tort. Limited Tort will save you about 20% — which is significant.
What you are giving up by paying this 20% discount is your right to sue for pain and suffering if you are injured — regardless of who is at fault for the accident. Even if the accident really is “the other guy’s fault” you have a very limited recovery.
When somebody hurts you in a car accident, afterward you can bring a cause of action (Sue) for three possible things: 1.Lost Wages 2. Medical Bills and 3. Pain and suffering
if you opted for Limited Tort then you are limited to only number 1 and number 2 —– and you do not get to be compensated for pain and suffering — which is usually the bigger money.
If you opt for FULL TORT coverage — you can also sue for PAIN AND SUFFERING. you are not limited.
You might be interested to know that even if have Limited Tort coverage, you actually can still seek damages for pain and suffering, however, ONLY if you suffered a serious injury. The law has specific and harsh tests for what rises to the level of ‘serious injury’ and the insurance company will fight that the injury does not rise to the level of serious.
It is best to have Full Tort car insurance. The only person who is limited by electing limited tort, is you.