Insurance Protection

Personal Auto Coverage – Full vs. Limited Tort

In the state of Pennsylvania, two tort options are offered to personal auto policyholders – full tort and limited tort.  Policyholders are required to choose one of the two tort options; however, they may not fully understand the difference between them.  Since the premium for full tort is much higher, it is important to understand exactly what you are getting with the two options.

Full Tort – Allows you to file a lawsuit for any type of injury you sustain, as a result of an auto accident, up to your full legal rights.  This includes payments for pain and suffering.  The premium for full tort is significantly higher than the premium for limited tort but ensures your full legal right to sue for accidents or injuries.

Limited Tort – Restricts your ability to sue for certain types of injuries.  The allowable injuries are defined as “serious injuries” and may not include broken bones or soft tissue injuries.  The premium for limited tort is less than full tort, but has you surrendering some of your legal rights.

Policyholders in Pennsylvania are required to select in writing their tort preference as well as other options pertaining to their personal auto policy.  It may have been quite a while since you’ve signed these forms.  It’s always a good idea to revisit the selections you have made in the past and make sure they still fit your needs.

Securities and insurance products are offered through Univest Investments, Inc., member FINRA/SIPC and a licensed insurance agency. Investment advisory services are offered through Girard Partners, a Univest Wealth Management Firm. These affiliated companies are licensed subsidiaries of Univest Corporation of Pennsylvania. Products and services offered are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of any principal amount invested.


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