Full Tort vs. Limited Tort in Pennsylvania

Pennsylvania drivers elect full tort or limited tort (75 Pa.C.S. § 1705). Limited tort typically costs less but restricts recovery of non-economic damages unless an exception applies.

Exceptions to limited tort

• Serious injury, as defined by statute and case law.
• The at-fault driver was convicted of or accepted ARD for DUI.
• The at-fault vehicle was registered in another state.
• You were a passenger in a commercial vehicle, or not an occupant of a motor vehicle.

Check your declarations page to see which option you selected.