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Personal Insurance

What’s a Tort?

When selecting auto insurance you’ll be asked whether you want “limited tort” or “full tort”. Limited tort limits your right to sue for pain & suffering, except in cases of serious injury. This type of tort option qualifies you for a reduction in premium. Full tort does not limit your right to sue. No reduction in premium here.

So what does this really mean?

Under limited tort you are giving up your right to sue for non-economic damages, more commonly known as “pain & suffering” except in cases of serious injury. Our law defines serious injury as death, serious impairment of body function or permanent, serious disfigurement.

Apart from serious injury, are there other exceptions if I choose limited tort?

Even if you’ve elected limited tort, you can still sue for pain & suffering under certain circumstances. Common examples are when the responsible driver is convicted of our accepts ARD for driving under the influence of alcohol or a controlled substance.

If I choose limited tort, can I still sue for my economic damages such as unpaid medical bills, unreimbursed lost wages of other out of pocket expenses?

Yes…you can still sue to recover these damages.

How do I know which option is right for me?

This option is yours to make. Our staff at Sheeley Insurance can explain these options to you so your better informed when making your decision.

We have offices in Stroudsburg, Milford, Honesdale and Dunmore.