Limited Tort / Full Tort - TriStateTuners.com :: Home of Tristate Auto Enthusiast

Jeffros Spec V · 11-26-2007, 07:30 PM

Just wondering what percentage of people on here are either full tort or limited tort.

If you don't know the difference:

Limited Tort: If you get nailed by somebody else your right to recover money for bodily injury is limited to pretty much medical bills and out of pocket expenses for medication unless the injury is defined as serious. You will not be able to sue for pain and suffering unless you sustain a serious or permanent injury, which has been defined by the Pennsylvania Courts as a "serious impairment of a bodily function."

Full Tort: With Full Tort, you can seek money for your pain and suffering for any injury you receive in an auto accident, provided that someone else is at fault for the accident. You do not have to worry about whether you have a serious injury. Choosing Full Tort on your policy instead of Limited Tort does cost a little more on your insurance premium, but it could mean thousands of dollars to you if you are ever injured in an auto accident

I'm full tort and have been since I started driving. Basically for a small investment now you could potentially recover a lot more if you are involved in an automobile accident.

SovXietday · 11-26-2007, 07:32 PM

I'm limited, if I was full I wouldn't be driving a Honda right now...

97TurboDSM · 11-26-2007, 08:15 PM

full tort here

agoodall · 11-26-2007, 10:33 PM

full tort...i am baffled why people choose limited, besides the obvious that its cheaper

poolmike · 11-26-2007, 10:35 PM

Full tort and massive amounts of liability coverage on all vehicles.

ozthunder · 11-26-2007, 10:50 PM

Full tort here.

where'smyturbo? · 11-26-2007, 10:53 PM

Limited... because with my accident, full tort is just more money i have to pay that i don't really have.

Jeffros Spec V · 11-27-2007, 12:09 AM

You guys should really select full tort.

For me the difference was like $300/year or something like that. So worth it. I work for a insurance company and I'm telling you its worth it.

ITSTOCK · 11-27-2007, 12:22 AM

Full tort here. The difference was $160 for me, since I'm already getting raped by the insurance company, whats another $160? It's good insurance (literally) that if I get in an accident (I believe an accident only if I'm NOT at fault), I have recourse to pay for my medical bills, and don't have to worry about the high dollar insurance lawyers calling my injury minor. At least that was my insurance agent/friends advice. After reading about it, it was good advice.

~Brian~ · 11-27-2007, 12:36 AM

The only real difference between full and limited tort is the ability to sue for pain and suffering.

If you choose limited tort and are seriously injured, there are still ways around it so that you can file suit.

CHAOS · 11-27-2007, 08:24 AM

im covered. full tort.

turbo4g63 · 11-27-2007, 10:15 AM

i've got full. Unless you are driving some haggered up pos you should always have full tort, its not even that much more expensive...it only costs me an extra 50 bucks every 6 months

CHAOS · 11-27-2007, 10:20 AM

plus you dont get butt****ed if you are in a serious accident

Honest_Bob · 11-27-2007, 11:07 AM

I switched her down to limited tort. Its a gamble.

Kiel · 11-27-2007, 12:57 PM

Full Tort. Anybody who gets Limited should kick themselves very firmly in the crotch. Seriously. Being a cheapass now can end up screwing you bigtime later. Out of work for a month because of an accident that you fully recover from? Sorry, you limited tort folks can't collect lost time or damages since your injury wasn't permanent. Think a broken arm is a "serious" injury? Try losing your arm. Completely. Then it becomes something you can collect for.

Limited Tort is STUPID.

turbo4g63 · 11-27-2007, 01:17 PM

Quote:

Originally Posted by Honest_Bob

I switched her down to limited tort. Its a gamble.

you switched to limited and you have an 05 wagon...are you nuts...you are aware that if you totalled your wagon, you would losed everything...i mean, what do they run...15-20k....seriously get full coverage. its not that much extra

OptiCon · 11-27-2007, 01:20 PM

Limited. Just pay my medical bills.

I'll get the rest when I pillage your village.

malloyboy1 · 11-27-2007, 01:23 PM

limited tort becasue 1000.00 a month is not for me

OptiCon · 11-27-2007, 01:31 PM

If you have collision coverage on your new car you'll get your money back.
It's just a question of time lost and "pain and suffering", which is dicking up our legal system anyway.

Now if you're like me sinking 12k into a car worth 1k KBB with no collision coverage, you might think about having a way to collect some extra money.
But I'm both cheap and indifferent. Total my car and i'll get over it. YOU may not... but I will.

turbo4g63 · 11-27-2007, 10:07 PM

Quote:

Originally Posted by malloyboy1

limited tort becasue 1000.00 a month is not for me

how then hell does it cost you a thousand a month for full coverage??? I find that a little steep. Most high risk people will pay around 5k a year. thats double that...nobody would insure you if your driving record was that bad. And if your record is that bad, you seriously need to shop around

11-26-2007, 07:30 PM	#1
Jeffros Spec V Tri-State Post Whore Join Date: Mar 2005 Location: Langhorne PA Member #263 iTrader: (0)	Limited Tort / Full Tort Just wondering what percentage of people on here are either full tort or limited tort. If you don't know the difference: Limited Tort: If you get nailed by somebody else your right to recover money for bodily injury is limited to pretty much medical bills and out of pocket expenses for medication unless the injury is defined as serious. You will not be able to sue for pain and suffering unless you sustain a serious or permanent injury, which has been defined by the Pennsylvania Courts as a "serious impairment of a bodily function." Full Tort: With Full Tort, you can seek money for your pain and suffering for any injury you receive in an auto accident, provided that someone else is at fault for the accident. You do not have to worry about whether you have a serious injury. Choosing Full Tort on your policy instead of Limited Tort does cost a little more on your insurance premium, but it could mean thousands of dollars to you if you are ever injured in an auto accident I'm full tort and have been since I started driving. Basically for a small investment now you could potentially recover a lot more if you are involved in an automobile accident.

11-26-2007, 08:15 PM	#3
97TurboDSM TST Ruined My Life! Join Date: Sep 2005 Member #849 My Ride: '03 IY 20th GTI iTrader: (3)	full tort here __________________ FOR SALE! Canon 5D\|17-40L\|85mm f/1.8\|Sigmalux\|580ex

11-26-2007, 10:35 PM	#5
poolmike Tri-State Post Whore Join Date: Jun 2005 Location: Richboro Member #543 My Ride: '68 Kaiser M715/ '37 Ford truck/'47 Dodge truck iTrader: (0)	Full tort and massive amounts of liability coverage on all vehicles. __________________ 2012 Honda Accord Touring 1968 Kaiser M715 FrankenJeep 1947 Dodge 1.5 Ton Resto-mod 1937 Ford pick-up 1950 Crosley Farm-o-Road

11-26-2007, 10:50 PM	#6
ozthunder Tri-State Post Whore Join Date: Nov 2006 Location: In a modular on campus Member #2994 My Ride: 2006 Nissan SE-R Spec V iTrader: (0)	Full tort here. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

11-27-2007, 12:22 AM	#9
ITSTOCK Tri-State Post Whore Join Date: Sep 2005 Member #844 iTrader: (0)	Full tort here. The difference was $160 for me, since I'm already getting raped by the insurance company, whats another $160? It's good insurance (literally) that if I get in an accident (I believe an accident only if I'm NOT at fault), I have recourse to pay for my medical bills, and don't have to worry about the high dollar insurance lawyers calling my injury minor. At least that was my insurance agent/friends advice. After reading about it, it was good advice. Last edited by ITSTOCK; 11-27-2007 at 12:25 AM.

11-26-2007, 10:53 PM	#7
where'smyturbo? Tri-State Addict Join Date: Sep 2007 Location: Seattle, WA/Langhorne, PA Member #5694 My Ride: '99.5 Jetta VR6 iTrader: (1)	Limited... because with my accident, full tort is just more money i have to pay that i don't really have.

11-27-2007, 12:09 AM	#8
Jeffros Spec V Tri-State Post Whore Join Date: Mar 2005 Location: Langhorne PA Member #263 iTrader: (0)	You guys should really select full tort. For me the difference was like $300/year or something like that. So worth it. I work for a insurance company and I'm telling you its worth it.

11-27-2007, 08:24 AM	#11
CHAOS TST Ruined My Life! Banned Join Date: Jun 2006 Member #2120 My Ride: 1984 Cadillac Brougham iTrader: (1)	im covered. full tort.

11-27-2007, 10:15 AM	#12
turbo4g63 Tri-State Post Whore Join Date: Nov 2005 Location: near west chester Member #1057 My Ride: 98' 4runner iTrader: (0)	i've got full. Unless you are driving some haggered up pos you should always have full tort, its not even that much more expensive...it only costs me an extra 50 bucks every 6 months __________________ Bill If you guys see a possum...try to kill it, it's not a pet!

11-27-2007, 10:20 AM	#13
CHAOS TST Ruined My Life! Banned Join Date: Jun 2006 Member #2120 My Ride: 1984 Cadillac Brougham iTrader: (1)	plus you dont get butt****ed if you are in a serious accident

11-27-2007, 11:07 AM	#14
Honest_Bob TST Ruined My Life! Join Date: Dec 2005 Location: Easton, PA Member #1179 My Ride: 05 WRX Wagon iTrader: (2)	I switched her down to limited tort. Its a gamble. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

11-27-2007, 12:57 PM	#15
Kiel Tri-State Aficionado Join Date: Aug 2007 Location: Morton, PA Member #5456 My Ride: 2003 WRX - Sonic Yellow iTrader: (0)	Full Tort. Anybody who gets Limited should kick themselves very firmly in the crotch. Seriously. Being a cheapass now can end up screwing you bigtime later. Out of work for a month because of an accident that you fully recover from? Sorry, you limited tort folks can't collect lost time or damages since your injury wasn't permanent. Think a broken arm is a "serious" injury? Try losing your arm. Completely. Then it becomes something you can collect for. Limited Tort is STUPID. __________________ TST Work Crew/Saturday Club To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

11-27-2007, 01:20 PM	#17
OptiCon Tri-State Addict Join Date: Aug 2005 Location: South East PA Member #768 iTrader: (0)	Limited. Just pay my medical bills. I'll get the rest when I pillage your village. __________________ 1985 Omni GLHT 2003 Chrysler 300M Special

11-27-2007, 01:23 PM	#18
malloyboy1 Tri-State Addict Join Date: Jul 2007 Location: sellersville, PA Member #5438 My Ride: 05 subaru wrx iTrader: (2)	limited tort becasue 1000.00 a month is not for me

11-27-2007, 01:31 PM	#19
OptiCon Tri-State Addict Join Date: Aug 2005 Location: South East PA Member #768 iTrader: (0)	If you have collision coverage on your new car you'll get your money back. It's just a question of time lost and "pain and suffering", which is dicking up our legal system anyway. Now if you're like me sinking 12k into a car worth 1k KBB with no collision coverage, you might think about having a way to collect some extra money. But I'm both cheap and indifferent. Total my car and i'll get over it. YOU may not... but I will. __________________ 1985 Omni GLHT 2003 Chrysler 300M Special

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
MONTCO 13 newspapers 399.99 full page full color ad offer	RayArroyo	Networking: requests and offers	0	12-10-2008 11:34 AM
STI Limited on 926	PoorMan'sR	Spotted!	5	09-19-2008 11:07 PM
STI limited on 309	cmr076	Spotted!	0	08-01-2008 10:16 PM
My 07 STI Limited 580/800	doug	Gallery	54	12-08-2006 02:47 PM