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Court cases related to auto accidents can cause a variety of complications for drivers and the court system, which is why insurers offer limited tort and full tort coverage in Wayzata, Minnesota. By understanding the differences between the policies, it is easier to determine the best option for your goals and needs.
Full Tort
A full tort policy means that you have the right to sue a negligent driver when he or she crashes into your vehicle. Regardless of the coverage that you select, the driver of another vehicle who crashes into your car and causes injuries is responsible for your medical bills and the repairs to your vehicle.
In the case of major injuries, you may decide that you want to sue the driver for your pain and suffering rather than just the medical bills. If you have a full tort insurance policy, then you have the right to sue in this situation.
Limited Tort
A limited tort policy means that you are not allowed to sue for pain and suffering in an auto accident. Your coverage allows you to submit your medical bills and the cost of your repairs to the other driver’s insurance company for compensation.
The insurer will usually pay the full amount of your bills up to a certain amount, which will vary based on the other driver’s liability plan. When you opt for a limited tort policy, you cannot sue for your pain and suffering, regardless of the extent of your injuries.
Limited and full tort auto policies are not the same. If you opt for a limited tort plan, then you are giving up the right to take the other driver to court for additional compensation after an accident. Contact Pizano Insurance to talk to an independent agent for more details.