Tort Options - Right to Sue

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Pennsylvania law requires that you select a tort option, either Full or Limited Tort.

Full Tort - By choosing this option, you (and the members of your household) retain the unrestricted right to seek financial compensation for injuries cased by other drivers. You and others covered under the policy may seek recovery for all medical and other out-of-pocket expenses, pain and suffering and other non-monetary damages caused by other drivers.

Limited Tort - By choosing this option you limit your ability to recover non-monetary damges along with pain and suffering unless the injuries fall within the following exceptions:

1. Serious Injury - A personal injury resulting in death, serious impairment of body function or permanent serious disfigurement. This is a determined by a court of law and may not match your definition of 'serious injury'.

2. The person at fault is convicted of Driving Under the Influence of Alcohol or Drugs or accepts Accelerated Rehabilitative Disposition (ARD).

3. The person at fault is operating a motor vehicle registered out of state.

4. The person at fault intends to injure himself or another person.

5. The person at fault has not maintained financial responsibility as required by PA law.

6. Claims against a person in the business of designing, manufacturing, repairing, servicing or maintaining a motor vehicle arising out of a defect which is caused by or not corrected by an act in the course of such business. Excludes motor vehicles used by the business.

7. The individual is injured while an occupant of a motor vehicle other than a private passenger motor vehicle.

The above listed exceptions would retain the full tort rights.