A full tort option in auto insurance gives you the unrestricted right to sue the at-fault driver for any bodily injury damages, regardless of the severity of your injuries. Choosing full tort means you retain the ability to pursue compensation for pain, suffering, lost wages, and medical costs without the limitations imposed by a limited tort policy.
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How Full Tort Differs from Limited Tort
Limited tort policies restrict the ability to sue for non‑economic damages unless your injuries meet a serious injury threshold, typically defined by criteria such as permanent disfigurement, loss of a limb, or significant impairment. Full tort eliminates that threshold, allowing a claim for any injury, even minor ones.
Cost Implications
Full tort coverage usually carries a higher premium because insurers assume greater liability exposure. The cost difference varies by state, insurer, and driver profile, but it often adds a few hundred dollars per year to a standard policy.
State Availability and Requirements
Not all states offer a full tort option; some have mandatory limited tort or no-choice systems. Where offered, you typically select the option at policy purchase or renewal, and the choice is binding for the policy term.
When Full Tort May Be Beneficial
If you have a higher risk of injury, a history of medical expenses, or prefer the flexibility to seek full compensation after an accident, full tort can provide peace of mind. Conversely, drivers with low risk profiles may opt for limited tort to save on premiums.
Key Considerations
- Assess your health, driving habits, and financial ability to absorb potential out‑of‑pocket costs.
- Compare premium differences between full and limited tort options.
- Review state regulations to confirm availability and any mandatory restrictions.