Limited Tort and Tort Threshold

Because Pennsylvania is a choice no-fault insurance state, the type of car insurance you have may determine the type of compensation you can receive for car accident injuries.

Drivers with full tort threshold insurances can sue for all damages as well as economic and non-economic losses including pain and suffering. However, drivers with limited tort threshold insurance can only collect monetary losses. While limited tort insurance can save money in the beginning, drivers are limited as to whether or not they can file a claim for damages in the even of an accident. Understanding the fine print of an insurance policy is complex.

In some circumstances, people with limited tort can sue. The following criteria need to be in place:

• The driver who was at fault is from out of state.
• The driver who is at fault is convicted of DUI.
• You were a passenger in a commercial vehicle such as a taxi, bus, or tractor trailer.
• Your injuries are considered a serious impairment to a significant bodily function.

When people like you suffer serious accidents, the last thing they expect is their insurance companies to default on damages and compensation. An accident is stressful and painful enough without the stress of fighting with your insurance company.