Insurance policy holders with full tort simply have the advantage of having the full rights to sue a negligent party that caused the policy holder pain and suffering. Those who opt for limited tort on the other hand are still entitled to compensation for medical expenses but do not have the right to sue a negligent party who caused the policy the accident for any non-monetary damages including the pain and suffering it caused. In essence taking an insurance policy with limited tort means you are still covered for any injuries and damages to your property but you give up your right to file for compensation for other non-monetary damages. The only exception wherein policy holders with limited tort can sue for non-monetary damages is when the case is serious with serious categorized as resulting to death, serious impairment of bodily function, or permanent serious disfigurement. Other than that there is no way for a limited policy tort holder to claim for further compensation after all the medical bills and car repair bills have been paid.
Some insurance companies encourage people take the limited tort option to be able to save money. Though it is true that on the average one can save around $100 when you choose a limited tort over a full tort policy, it is actually much wiser to go for the full tort policy. If you look at your savings on a daily basis when you choose limited tort it amounts to less than a little over a quarter each day. Now if you get in an accident and need to go on leave to recuperate for some time and go over your leave credits compute just how much you would lose per hour you are away from work. With the limited tort option you cannot sue for such damages since the damage is incidental. You can be sure that within a week or two the non-monetary damages that you’d be suffering from as an after effect of the accident will amount to much more than a years worth or even several years worth of money saved from choosing a limited tort over a full tort policy.