Pennsylvania residents deciding which auto insurance package to buy should select a full tort policy say legal experts across the state. Full tort policies provide complete insurance protection if a policyholder is injured in an automobile accident.

Attorneys warn that a limited tort policy, which is the required minimum under Pennsylvania law, can be costly as it limits the policyholder’s right to sue for pain and suffering compensation. Unfortunately, because most people are uninformed and only see the temporary financial benefits of a limited policy (limited tort holders save 15 percent on their premiums), many often fail to take advantage of full tort insurance.

Full tort gives policyholders the unlimited right to sue for pain and suffering for any injury received in an accident. Insurance experts recommend that policyholders also insist on uninsured/underinsured motorist insurance for protection in case of an accident with another driver who is not insured. The combination of full tort and uninsured/underinsured motorist insurance offers full insurance coverage in Pennsylvania.