08/12/2026
Years before the crash, somebody on the phone asked you one question: full tort or limited tort. Most people answered fast and moved on with their day.
That box matters more than it sounds. Full tort keeps your right to seek compensation for pain and suffering fully open. Limited tort limits that right unless your injury clears a statutory bar.
Pennsylvania draws that bar narrowly: death, serious impairment of a body function, or permanent serious disfigurement. It also reopens if the driver who hit you was uninsured, driving drunk, operating a commercial vehicle, or riding a motorcycle. What counts as a "serious impairment" isn't up to a claims adjuster alone; courts decide it case by case, and where your injury falls can determine whether you get anything for the months you couldn't work, sleep, or pick up your child.
If you want a second set of eyes on your policy before you sign anything with an adjuster, call us: 610-279-4300.