Car Insurance 101: What Are Tort Laws and Why Are They Important

There are a number of important considerations when purchasing car insurance, from the amount of property damage and bodily injury liability coverage you carry to whether or not to add coverage for uninsured and under insured drivers With all those important decisions to be made, one of the most critical is often lost in the shuffle.

When you sign up for a new or replacement car insurance policy, you maybe asked whether you prefer limited tort or full tort coverage. For many drivers this question is simply too overwhelming, since tort options can be very difficult to understand. As a result, many drivers simply take the lowest cost option – limited tort coverage.

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While it is true that a car insurance policy with limited tort coverage is generally quite a bit less expensive that a comparable policy with full tort coverage, drivers are making a number of trade-offs when they go for the lowest cost option.

When you sign up for a limited tort car insurance policy what you are actually doing is signing away your rights to sue in the event of a crash. For the most part, taking the limited tort option means that you will not be able to sue to re cover for your pain and suffering, even if the accident was deemed to be the fault of the other driver.

Even with the limited tort option, you can still recover your actual damages, including hospital bills and doctor visits that were not already covered by your health insurance policy. So when deciding whether or not to take the limited or full tort option, it is important to consider what would happen in the event  of a crash. After all, that is what having car insurance is all about. Car insurance is designed to protect you in the event of an accident, and each tort option provides a different level of protection at a different price.

Deciding between limited tort and full tort coverage is actually one of the most difficult things drivers can do, so it is important to give this decision plenty of care and consideration. It is often helpful to consult with your family attorney before making this decision, since a local attorney will be familiar with the ins and outs of tort law in your own state. The laws governing tort and the right to sue to recover damages varies from state to state, so  working with a local attorney is always a good idea. A skilled attorney will be able to help you understand what the tort laws mean in layman’s terms and help you sort out the legal jargon.

Deciding which tort option is right for you is not always easy, but having the right information will help you make the right decision. Some drivers will be quite comfortable giving up their right to sue for pain and suffering in the event of an accident, while other rivers will want to protect themselves by paying more for full tort coverage. In the end it all boils down to a personal risk decision – after all that is what all insurance, including car insurance, is all about. In the end, only you can decide whether the full tort or limited tort option is right for you.

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