Full tort and limited tort are terms used to describe the options available for selecting car insurance coverage.
Full tort coverage provides unrestricted rights to sue for damages in the event of an accident, regardless of the severity of the injuries sustained. With full tort coverage, the policyholder has the right to seek compensation for all types of damages, including pain and suffering, emotional distress, and loss of enjoyment of life.
On the other hand, limited tort coverage restricts the policyholder’s ability to sue for damages. In the event of an accident, a policyholder with limited tort coverage can only seek compensation for economic damages, such as medical expenses and lost wages. They cannot sue for non-economic damages like pain and suffering unless the injuries sustained meet certain legal criteria, such as permanent disfigurement, permanent impairment, loss of bodily function, or death.
The main difference between full tort and limited tort coverage is that full tort provides broader legal protection and allows the policyholder to seek compensation for all types of damages, while limited tort offers a lower premium in exchange for fewer legal rights in case of an accident.