Pennsylvania auto insurance laws allow drivers to choose between full tort and limited tort coverage. Full tort coverage preserves the right to sue for pain and suffering after an accident, while limited tort coverage restricts that right except in specific situations involving serious injury. While this choice may seem straightforward, complications can arise when passengers are involved in an accident. The Hansen Agency LLC wants drivers in Washington, PA, to understand how these coverage options can affect both drivers and passengers.

How Limited Tort Coverage Can Affect Passengers

Drivers in Pennsylvania can often lower their auto insurance premiums by choosing limited tort coverage. This option limits the ability to seek compensation for pain and suffering unless injuries meet certain legal thresholds. Full tort coverage, while more expensive, allows injured parties to pursue pain-and-suffering claims without meeting those thresholds.

Complications can occur when passengers are injured in a vehicle driven by someone who has limited tort coverage. In many situations, passengers may also be barred from suing for pain and suffering under the driver’s coverage choice. However, if a passenger carries their own auto insurance with full tort coverage and personal injury protection, they may retain the right to pursue those claims.

Understanding how tort options apply to both drivers and passengers is important, especially after a serious accident. Reviewing these details ahead of time can help prevent confusion during an already stressful situation. The agents at the Hansen Agency LLC in Washington, PA, can help drivers evaluate their auto insurance choices and understand how those decisions may affect their legal rights.