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Q

Full torque or limited torque insurance? What is the difference?


A

We are not familiar with the terms full and limited torque with regards to auto insurance but believe you may be referring to full or limited tort car insurance coverage.

Full Tort allows a motorist and policyholder to retain unrestricted rights to bring a lawsuit against the negligent party in an automobile accident. Limited Tort allows drivers to save on their premiums by waiving their right to recover certain damages, such as payments for pain and suffering.

So with Full Tort you are keeping your right to file suit to receive compensation for pain and suffering for injuries sustained in an accident that is someone else's fault. Limited Tort may prevent you from seeking compensation for these items, unless your injuries are found to be serious and permanent.

The Tort system varies from state to state so you should check with our state pages to see how your state's tort system is set up. For example in Pennsylvania you are required to select one of the following tort options to define your right to compensation in the event that another party injures you or members of your household in an auto accident.

In PA if you select the Limited Right to Recover Damages (Limited Tort) then your rights to financial compensation for injuries caused by other drivers will be limited. However, your premiums for Property Damage Liability, Full First Party Benefits (FPB), and FPB Income Loss coverages will be lower than if you had selected full tort.

Under the limited tort option, you (the insured) and other members of your household are entitled to recover damages for medical and other out-of-pocket expenses related to a covered accident. However, you will not be eligible for financial compensation for pain and suffering or other non-monetary damages, unless your injuries are categorized as serious (e.g. a life-long disability, an injury resulting in death, etc.)

In Pennsylvania if you choose the full tort option, your rights to financial compensation for injuries caused by other drivers is unrestricted. However, your insurance premium will not be reduced. Under the full tort option, you (the insured) and other members of your household may seek recovery for all medical and out-of-pocket expenses. You are also allowed to seek financial compensation for pain and suffering and other non-monetary damages for injuries caused by other drivers in a covered accident.

If you do live in PA you should be aware as of July 01, 2008 the state of changed the at-fault accident (AFA) threshold to $1,350 for Bodily Injury and Property Damage.If you live in another state you can check with your insurance regulatory body for information on your tort options.

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