Limited tort refers to a type of auto insurance coverage that restricts an injured party’s ability to seek compensation for non-economic damages, such as pain and suffering, except in cases of serious or permanent injury. This coverage is commonly chosen by policyholders to reduce premium costs, but it significantly limits legal options in personal injury claims.
Limited tort policies are prevalent in certain states and can complicate recovery for minor injuries.
Limited tort is important because it directly affects the scope of compensation available in personal injury claims. For plaintiffs, having limited tort coverage may mean forfeiting the ability to recover damages for pain and suffering unless they can demonstrate severe harm.
For defendants and insurers, limited tort provisions offer a layer of protection against large settlements, reducing liability. Understanding the implications of limited tort is crucial for both parties in assessing the value and viability of a personal injury claim.
Limited tort highlights the trade-offs between lower insurance premiums and restricted legal rights in accident cases.
When dealing with limited tort in personal injury claims:
Limited tort provisions play a significant role in shaping the strategies and outcomes of personal injury claims.
