Buying Cheap Pennsylvania Car Insurance: Understanding Tort Policy

June 22, 2011 in Cheap Pennsylvania Car Insurance

For drivers hoping to purchase cheap Pennsylvania car insurance, several options exist. Quotes for the individual driver are based on the vehicle: both model and make, the driver’s record: how many traffic infractions he or she has, and the level of to which the driver desires to be covered. Like every state, Pennsylvania offers either comprehensive automobile insurance or liability only. Drivers in the state must also consider what deductibles they wish to pay. However, one distinct difference makes Pennsylvania different from most states.


Limited or Full tort coverage will factor into the prices that drivers in the state pay for their monthly insurance. Since this is not a states-wide policy, not everyone is familiar with how tort policy functions. Drivers in Pennsylvania need to know how tort policy (or waiving it to the minimum) impacts them in the event of an accident.


Full tort coverage is assumed in states that do not designate an option. This style of insurance allows drivers to file suit for “pain and suffering” incurred in an accident. What this means is that in case of emotional stress any driver can sue the “at fault” party for monies to pay for nonphysical injury as a result of the accident.


Limited tort coverage, where it is offered, enables drivers to waive their right to sue for “pain and suffering” as the result of any accident, at fault or otherwise. Lawyers in states with this special condition often recommend full tort policy, and it is up to the individual how he or she prefers to be covered. Many third party critics advise that drivers merely consider the cost savings versus the forfeiture of legal action before signing any contract.


Since nothing is lost by keeping full tort policy, drivers must only to be educated on what is lost and gained by signing for limited tort. The main benefit for limited coverage is premium savings. With a limited policy, most insurance companies will reduce monthly premiums by fifteen percent. Insurers are able to reduce the cost of their policies to clients in this situation because they are protected from having to pay out suits won for “pain and suffering.”


An individual’s loss of legal action for “pain and suffering” is obviously the downside to waiving full coverage. However, it is important to understand that all normal insurance claims are still applicable regardless of coverage on tort. At fault drivers’ insurers, still pay for car repairs and medical bills related to physical harm. Only the extra option to seek recovery of mental grief is lost in a limited situation.


For this reason, any driver can find low cost rates for his or her automobile insurance by waiving full coverage. In addition, drivers who own vehicles that are fully paid off and over ten years old may want to consider liability only insurance with high deductible payout. Between these three options, the lowest rates will be offered. Assuming a clean driving record and a minimal insurance policy, cheap Pennsylvania car insurance should not cost vehicle operators more than four hundred fifty dollars a year.