Tort Coverage Auto Insurance Pittsburgh Pennsylvania PA

Reader’s Question:

What does tort coverage mean? Is it an auto insurance requirement here in Pittsburgh Pennsylvania PA?

Adam

Pittsburgh, PA

Hi Adam! Yes, the Pennsylvania motor vehicle financial responsibility law requires car owners, such as yourself, to secure tort coverage as part of their auto insurance policy. You can actually choose between limited and full tort coverage options. Generally, limited tort coverage costs less but choosing this option means that you are waiving your right to sue for certain damages, including emotional trauma or pain and suffering. Of course, the conditions you’ve waived do not include those identified as exceptions in Section 1705 (d) of Act 6, Title 75 of the Pennsylvania motor vehicle financial responsibility law. Meanwhile, full tort coverage removes any restrictions on your right and ability to file suit against the other party in case you figure in an automobile accident in Pittsburgh Pennsylvania PA. Clearly, this is why full tort coverage usually increases the cost of your premiums.

I suggest that you enter your zip code in this online form so that you can take advantage of the available free quotes from insurance companies in Pittsburgh Pennsylvania PA. Take about five so you can get a more comprehensive comparison of features and costs on which you can base your final decision on what type of tort coverage to choose.

Tags: auto insurance policy, car insurance policy, tort coverage