If you suffer injuries in a car accident as a result of another’s negligence, you deserve compensation.

However, understanding how to pursue that compensation and what your insurance covers can be complex. Pennsylvania requires drivers to have certain insurance coverage by law. Two of those options include limited tort insurance or full tort insurance.

But how do these insurance policies work?

What is limited tort insurance?

Both limited and full tort insurance allow you to recover losses you suffered after a car accident. However, the type of coverage you choose determines what kind of compensation you can seek.

For example, limited tort insurance allows you to recover compensation for the financial losses you experience, including:

  • Medical bills;
  • Lost wages;
  • Property damage; and
  • Other related expenses.

Generally, limited tort insurance does not allow you to pursue compensation for pain and suffering.

The law does include exceptions. Serious accidents that lead to death or permanent disabilities could warrant compensation for pain and suffering under this coverage. But limited tort insurance often only covers monetary losses.

Full tort insurance covers pain and suffering

On the other hand, full tort insurance would allow you to sue for all of the damages listed above as well as pain and suffering. This is true no matter how severe the accident was.

While full tort insurance is slightly more expensive than limited tort insurance, it is often a good investment to protect your future. Both forms of insurance can help support you after a car accident. The coverage you choose depends on how well each option meets your needs.

Get Knowledgeable Insurance Law Help After An Accident

At McDonald at Law, our knowledgeable and experienced attorney helps injured people get their deserved compensation after an accident. You can call our Lancaster office now at 717-208-2641 or toll-free at 800-734-8239. We are also available via the contact form.