With the limited tort and full tort thing, I can understand with the limited tort they don’t want you to get paid twice (once by the company and once in court). But then what is full tort? Is it really worth me spending the extra money on? I really can’t afford it.
Well I read it all but its sort of hard to understand.

 

  • mbrcatz17 3:03 pm on December 15, 2009 Permalink

    Full tort means you retain the right to sue another party for pain and suffering. Limited tort means, you sign away your right to sue another party, except for a few severe injuries (ie, loss of BOTH eyes, loss of an arm or leg, etc). The purpose of this is to eliminate the most common type of pain and suffering lawsuit – soft tissue injuries such as neck and back pain, that don’t show up on xrays.

    So when you take out your policy, in exchange for a LOWER liability premium, you sign forms stating that you give up your right to sue someone else who causes the accident.

    I would ABSOLUTELY spend the extra money on it. When someone else hits you, the FIRST thing the adjuster will ask is, do you have full tort or limited tort? And from what I’ve seen, you will get MUCH better and faster service if you have full tort (this is service from the other insurance company, of course).

  • tiffsag02 3:03 pm on December 15, 2009 Permalink

    Whenever you sign the dotted line without reading everything!

  • thebigm57 3:03 pm on December 15, 2009 Permalink

    The answer is you don’t get your day in court. You arbitrate your issue…in fact you don’t even do that…your insurance company "represents your best interests". Just be careful with insurance in general it’s one of the biggest rackets in history though a necesary one given our litegous (law suit happy) society.

  • mimismom 3:03 pm on December 15, 2009 Permalink

    Full Tort Threshold Option
    This allows the named insured and other household members to maintain the right to sue for pain and suffering resulting from an auto accident.
    Limited Tort Threshold Option
    This waives the right of the named insured and other household members to sue for pain and suffering. The right to sue is retained for death, impairment of bodily function or disfigurement, and injury from an Uninsured Motorist, out-of-state motorist, or drunken driver.
    A 40% discount is applied to BI, UM / UDM and PIP for PLIC 2000 policies effective 5/1/2003 and Phase XII policies effective 2/1/2004. Prior to the implementation of the 40% discount, a discount of 20% was applied to all coverages.
    If the insured requests to change his/her current Tort Option:
    1.send the appropriate Coverage letter to the insured.
    2.process request once the completed PLICA-1268 form has been returned.
    3.send the completed PLICA-1268 form to Records.