Limited Tort Exception – Out-of-State Registered Vehicle

When you buy car insurance in Pennsylvania you have to select Full Tort or Limited Tort.

Full Tort is more expensive coverage, but protects your full legal rights to compensation if you are injured in a car accident caused by someone else.  You can recover Economic Damages, like Medical Bills and Lost Wages, and can also recover Non-Economic Damages, like money for Pain and Suffering and Disability.

Limited Tort is less expensive, but your legal rights to compensation are limited.  You can recover Economic Damages, but cannot recover Non-Economic Damages unless you suffer a Serious Injury (Death, Serious and Permanent Disfigurement or Serious Impairment of Body Function).

There are Exceptions to Limited Tort which provide that, under certain circumstances you can recover Non-Economic Damages even if you selected Limited Tort.

One of those Exceptions is if the driver responsible for causing the accident was driving a vehicle registered outside of the state of Pennsylvania.  So, if you select Limited Tort but then are injured in an accident involving a car registered in Delaware, New Jersey, Maryland (which is common given our location) or some other state, then you can still recover Non-Economic Damages even if you have selected Limited Tort.

As a Pennsylvania Car Accident Lawyer,I recommend that you have Full Tort not Limited Tort.  But even if you have Limited Tort, an Exception might apply that can save your rights to fair compensation if you are injured in a car accident caused by someone else.

To learn more about Pennsylvania Insurance issues or your legal rights after a Car Accident contact Pennsylvania Car Accident Lawyer Tim Rayne at 6108400124 or or check out his website at  For over 25 years, Tim has been helping injured accident victims understand their legal rights and receive fair compensation from insurance companies.  Tim has law offices in Kennett Square and West Chester Pennsylvania and also meets with clients in their homes or virtually via Zoom or FaceTime.  

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