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If you're like most people, car insurance terms can feel like a different language. Insurance companies love to push "limited tort" because it’s cheaper – they say it’ll save you money now. But what they don’t tell you is that it could cost you way more in the long run if you ever get hurt in an accident.
Let’s break it down.
What’s the difference between full tort and limited tort?
Full Tort: This option lets you claim compensation for all of your losses, pain and suffering included, if you’re injured in an accident. Think of it as a full-access pass to the benefits you’re paying for.
Limited Tort: Sure, it might lower your monthly premium, but there’s a big catch. With limited tort, you’re generally limited in what you can recover. You may still be able to claim for medical bills, but pain and suffering? Not so much. Unless your injuries are classified as “serious” – and proving that can be a tall order – you’re out of luck.
Why full tort is worth it
Look, I get it. Insurance can get expensive, and limited tort seems like a quick way to save. But here’s the reality: car accidents can be life-changing. Medical bills, lost work, the pain – all of it adds up. If you go with limited tort, you could be left with bills that far outweigh the savings you pocketed upfront.
When you’re paying for full tort, you’re investing in peace of mind. If the worst happens, you’ve got the flexibility to pursue compensation that truly reflects what you’re going through.
Let’s make it real
Imagine this: You’re hit in a collision that wasn’t your fault. You have some injuries – maybe a few fractures and weeks of painful recovery. But since you have limited tort, getting compensated for the emotional and physical toll might not be in the cards. Full tort? You’d be covered for those losses. It’s the difference between getting only some of what you need versus being fully supported.
So, what should you do?
If you’re serious about protecting yourself, go with full tort. You’ll pay a bit more upfront, but the benefits if you’re ever in an accident are worth every penny. It’s like wearing a helmet when you ride a motorcycle – you hope you’ll never need it, but you’ll be grateful it’s there if you do.
At Slusser Law Firm, your fight is our fight, and we're here to help you understand your options and make sure you’re fully protected. If you have questions about car insurance choices, personal injury cases, or anything else, feel free to reach out. We’re always happy to chat 24/7 and make these big decisions feel a little less daunting.