Full Tort versus Limited Tort

The following is a sample of a tort option election form that you should have signed when you purchased automobile insurance coverage:

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Serious Injury is defined as “personal injury resulting in death, serious impairment of body function or permanent serious disfigurement” 75 Pa. C.S.A. § 1702

Exceptions to limited tort are as follows:

(1) where the person at fault is convicted or accepts Accelerated Rehabilitative Disposition (ARD) for driving under the influence of alcohol or a controlled substance in the accident;

(2) where the person at fault is operating a motor vehicle registered in another state;

(3) intentional injury;

(4) person at fault does not have car insurance;

(5) where the injured person is not riding in a private passenger motor vehicle; and

(6) claim against a car manufacturer, garage or service station for a defective manufacture design or service 75 Pa. C.S.A. § 1705

The above information is for illustration only and not offered for legal advice. You should speak to an attorney .