Car Insurance Coverage: Full Tort vs Limited Tort

| March 15, 2019

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When you’re shopping around for car insurance, you may come across something called tort. You can opt for full tort or limited tort…but is there a difference? Oh there is!  The tort option in your car insurance can help you to recover out-of-pocket medical and certain other expenses and there are two options full tort or limited tort. Limited tort won’t allow you to recover certain damages – such as payments for pain and suffering unless the injuries meet certain legal exceptions. The upside is if you’re trying to save a few bucks, limited tort is significantly less expensive than full tort. Full tort permits you to sue someone who is ruled completely at fault for pain and suffering. Pain and suffering includes emotional injuries like sleeplessness, fear, grief, inconvenience and anxiety. You definitely pay more for the rights full tort allows, as you’ll likely pay about 40% more on your car insurance policy to include it when compared to limited tort.

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At Integrated Risk Solutions, our mission is to protect the security and profitability of leading professional and commercial clients helping them to achieve their business objectives. As an Insurance and Risk Management firm, we are a group of dedicated professionals that utilize our own unique process known as The Integrated Risk Model to reduce our clients long-term cost of risk.

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