I know, I know: I have discussed this topic before. In these economic times however, in an effort to save costs, I see more and more families change their car insurance from FULL TORT to limited tort. I am writing again, to suggest that you should keep the FULL TORT option if you have it and get the FULL TORT option if you don’t have it.
In my experience, insurance agents sell you on the limited tort option in order to provide a lower premium on your insurance policy. While this is true, be cautious as the savings between limited tort and FULL TORT may not be as significant as you think.
In the last month I have had six people call me who were involved in motor vehicle accidents. None of them caused the accident or were at fault for the accident in any way. All of the people were injured in some way, mostly having neck pain and back pain on a daily basis due to the accident. And all of these people had the limited tort option on their automobile policy. What most people don’t know is that if you have limited tort on your policy, you CANNOT get a recovery from the driver who caused the accident unless you are seriously or permanently injured. What most people also do not know is that the law is strict on what is considered a serious and permanent injury.
Generally, having neck or back pain is not enough to overcome limited tort in order to get a recovery for pain and suffering. Your injuries would need to be more serious like requiring surgery or causing you to be disabled in some capacity for the rest of your life. So even though you did not cause the accident and you have daily pain and may need medications, you may still NOT be entitled to a recovery if you have limited tort.
To protect yourself, you should purchase the FULL TORT option for your insurance. This means that you have preserved your right to a recovery for pain and suffering regardless of how injured you are. Also note however, that FULL TORT does not mean you have full coverage. You can have the FULL TORT option on your policy but not have other coverages you may need to protect you and your family such as underinsured or uninsured motorist coverage.
If you are going to purchase insurance for your car or your car insurance is up for renewal, feel for to call my office and we will review and discuss your policy for free! Just call us at 267-907-9600.