Tim Rayne

Pennsylvania Car Accident & Personal Injury Lawyer

Tim Rayne

Pennsylvania Car Accident & Personal Injury Lawyer

Limited Tort Exception

Limited Tort Exception – Car Registered Out-of-State

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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 trayne@macelree.com or check out his website at TimRayneLaw.com.  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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Sometimes Luck Prevents Limited Tort Problems

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When you buy car insurance in Pennsylvania you are required to choose Full Tort or Limited Tort.  The difference between the two is not well understood and usually poorly explained by car insurance agents.  Simply put, with Limited Tort, your rights to compensation after a car accident are usually limited.  But, sometimes luck can prevent Limited Tort problems.

Full Tort protects your full legal rights to compensation after you are injured in a Pennsylvania car accident.  Full Tort costs about 20 percent more than Limited Tort, but with Limited Tort, your legal rights to recover compensation are usually limited.

With Full Tort, the compensation that you can recover from the responsible driver includes compensation for lost wages, medical bills, out-of-pocket expenses and money for your pain and suffering and disability.

With Limited Tort,  you can recover money for your lost wages, medical bills and out-of-pocket expenses, but usually you are precluded from recovering any compensation for your pain and suffering and disability.

Despite this general rule, sometimes an exception applies and you can recover full compensation even if you chose Limited Tort.  One of those exceptions is if the person who caused the accident was driving a vehicle registered in another state.  In Chester County, we live close to Delaware, Maryland and New Jersey, so it is somewhat common for Limited Tort policy holders to be able to recover full compensation because of this exception.

As a Car Accident Lawyer who helps injured victims of Pennsylvania car accidents, I strongly recommend that you purchase Full Tort, not Limited Tort, so that you do not have to rely on luck to get full and fair compensation after being injured in a Pennsylvania car accident.

Tim Rayne is a Pennsylvania Car Accident and Personal Injury Lawyer with law offices in Kennett Square, West Chester and Doylestown Pennsylvania.  Contact Tim at trayne@macelree.com or 610 840 0124  with any car insurance questions or to learn about your legal rights after a car accident.