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Selecting your auto insurance policy can be a confusing process, and not carrying the right insurance coverage can be a costly mistake.  One corner we often see customers cutting is opting for limited-tort. When in actuality, full-tort is a coverage option that is crucial to sue for pain and suffering instead of simply suing for serious injury if you are the victim in an accident. Full coverage simply means that you’re carrying comprehensive and collision, which is covering your vehicle, not your right to sue.

Limited-Tort (Serious Injury):

  • Death
  • Permanent disfigurement
  • Serious impairment of bodily function
  • Dismemberment


Full-Tort (Pain & Suffering):

  • Physical pain and discomfort
  • Emotional pain and treatment
  • Stress and anxiety as a result of suffering an accident


But here are a few exceptions that you need to keep in mind when opting for limited-tort:

  • The definition of serious injury is unclear and undefined
  • There are several types of accidents that may necessitate full-tort to sue, including but not limited to accidents with:
    • An out-of-state vehicle
    • A commercial vehicle
    • A drunk driver

We’ve heard so many horrible stories of victims of horrible accidents who couldn’t collect repayment for pain and suffering because their serious injuries weren’t considered serious enough.

Although limited-tort does offer a small discount on your monthly premium, the savings will not outweigh the financial burden and emotional and physical distress in the case of a serious accident. If you’d like to find out if you have the right car insurance coverage for you and how much it would be to add full-tort coverage, call our agents today!