The Full Story on Full Tort

Do you know the difference between Full Tort and Limited Tort on your car insurance? You should. Choosing Limited Tort could be the biggest mistake you ever make regarding the future security of your family.

Don’t Limit Your Rights with Limited Tort

One of the most important decisions you need to make when purchasing car insurance is whether you want to select Full Tort or Limited Tort. There may be little or no explanation about the difference between the two, other than that Limited Tort will save you money on your car insurance. When an insurance company is looking to save you money, you should be extremely skeptical. If you fall for the insurance company trap of selecting Limited Tort, yes you will save a few dollars on your auto insurance premiums; but you will be giving up many legal rights. These rights may include such things as your right to bring a claim against the at-fault driver and their insurance company for non-economic damages including, pain, suffering, humiliation, mental anguish and the inconvenience and time it takes to attend medical treatments to care for the injuries caused by a negligent driver. If you have never been injured in an auto accident, you may not realize the pain and suffering that a person may go through as the result of an automobile collision. Even what appears to be a minor impact may cause long lasting injuries and related pain, suffering and disability.

In short, by choosing Limited Tort, you sacrifice full protection for you and your family members who are covered under your car insurance policy. Although you may save a few dollars on your annual premiums, you may end up costing yourself and your family in the long run. Limited Tort not only binds you as the insured, but your spouse, children and family members residing in your household. At Scherline & Associates, we strongly recommend that all motorists choose Full Tort.

Fully Protect Your Family—Always Choose Full Tort

Always make sure you select Full Tort coverage on your automobile insurance, despite any attempts to get you to select Limited Tort. The term “Full Coverage” is not the same as “Full Tort”. When you get or change your automobile insurance, make sure to request “Full Tort”. The selection of Full Tort can be made at any time; not just at the time a new policy is purchased or your current policy renews. Look at your current policy and if you do not already have Full Tort, or are unsure of your tort selection, contact your insurance agent or insurance company right away. You may need to sign a form selecting Full Tort, but that selection will be one of the best decisions you ever made for the protection of you and your family.

Full Tort gives you the legal right to seek money damages to compensate you for your pain and suffering due to any injuries you may have sustained as the result of an auto accident that is caused by someone else. Although Full Tort will cost you a little more on your insurance premiums, it could mean the difference between having a claim or not if you are injured in an auto accident.

Don’t assume you’ll never be injured in a motor vehicle collision. An accident can happen quickly and when you least expect it. Another driver’s inattentive actions or carelessness can lead to many serious injuries, including long-term disabilities that can last months, years, or even the rest of your life. It’s important to think about your future and the future of your family and the devastating effects any collision can have on your quality of life.

Remember, you don’t have to wait for your auto insurance policy to renew to make the switch to Full Tort. You can call your insurance agent or company right now to update your policy to Full Tort and get the protection that you and your family deserve. Don’t delay—make the call today!

If you have additional questions, please feel free to contact us today. The team at Scherline & Associates is always available to assist you at 610-437-1100.

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