Car insurance is a must, but it can get confusing when you begin to explore your policy options. You'll want to choose a policy that covers you well so that you're not stuck in a difficult situation after a car accident. You'll need to make many choices as you select a plan, including whether you want to purchase full tort or limited tort car insurance coverage. Keep reading to better understand what full tort and limited tort coverage is:
Full tort and limited tort options have to do with whether you'll be able to sue another driver for pain and suffering after an accident. While the specifics do vary by state, there are general differences. Always check your own state laws before purchasing insurance coverage to make sure that you understand where you stand.
Full Tort
When you choose a policy that includes full tort, you'll be able to sue for pain and suffering after a car accident. While the specifics vary by state, you'll generally be able to sue for pain and suffering no matter how serious the accident was or the type of injuries that occurred. This can be good to have if you're involved in a serious accident that changes your life. Since this coverage offers more protection, it does cost more money.
Limited Tort
Limited tort does not protect you as much. When you choose a policy that includes limited tort, there is a lot less ability for you to sue for damages from a car accident. As a driver with this kind of coverage, you'll only be able to collect out of pocket medical costs, loss of wages, and property damage. If you have this type of coverage and you're involved in a serious accident, you may be upset to realize that you're in a tough spot. In most cases, unless death or very serious injury occurred, you'll be unable to collect money for damages.
Limited tort is a cheaper option, so this does tend to be a common choice for drivers to make. Now that you know the differences, you can make a more educated decision when comparing your options. It may be a good idea to consider purchasing the more expensive full tort option so that you have more protection in place. If you have any more questions about your auto insurance needs, be sure to reach out to a local insurance agent.
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