In the state of Pennsylvania, policyholders have the option of selecting "Full Tort" or "Limited Tort" for their automobile insurance coverage. The Tort option does not pertain to the physical coverage of your vehicle and should not be confused with “Full Coverage”. If you have selected Full Tort coverage for your auto policy, it means you & the members of your household have the unlimited right to sue for pain and suffering, loss of enjoyment of life, permanent injuries, scarring, and spousal loss of consortium. With Limited Tort, you and other members of the household covered under the policy may seek recovery for all medical bills, loss of income, damage to your vehicle, & other out of pocket expenses, but not for pain and suffering or other non-monetary damages unless the injuries sustained fall into one of the following categories:

• Serious Injury - Personal injury resulting in death, serious impairment or body function or permanent serious disfigurement.
• If the other driver is convicted of driving under the influence of alcohol or a controlled substance or accepts an ARD program.
• If the other driver committed an intentional act which caused your injuries
• If the other driver does is uninsured
• The other party is driving a vehicle that is registered in another state

The Full Tort option is the more expensive option and the difference in cost must be weighed against the legal rights that you would be losing if Limited Tort is selected. The named insured should be aware that the Tort option applies to all members of the household.