Recent Topics
2018 Ram 2500 with 21k miles. Delo 400 XSP 5w40
by bigbadbowtie - 02/27/20 11:08 AM
For those always asking about tiny Computers
by jayjr1105 - 02/27/20 11:05 AM
Original 2016 VW Passat cabin filter
by Vaca - 02/27/20 11:02 AM
Original 2016 VW Passat air filter
by Vaca - 02/27/20 10:54 AM
Napa Exceptional Customer Service
by Fitz98 - 02/27/20 10:38 AM
Astra 400 ?
by WyrTwister - 02/27/20 09:58 AM
Will thinner oil damage anything when it is burned?
by Fordiesel69 - 02/27/20 09:38 AM
Old news for Hyundai/Kia?
by Farnsworth - 02/27/20 09:33 AM
Looking for AA 25% off coupon code.
by JustChuck - 02/27/20 09:17 AM
New to the LS460 and The World Of Lexus. Questions!
by gr8gatzby - 02/27/20 08:41 AM
New old guy back.
by BJD2020 - 02/27/20 07:45 AM
Help me Decide
by Gebo - 02/27/20 07:36 AM
FWD - Death traps with miss matched tires.
by Fordiesel69 - 02/27/20 07:13 AM
Napa Gold Sale
by Toto - 02/27/20 06:52 AM
2016 or 17 Honda CR-V
by Loogie - 02/27/20 05:20 AM
RIP Clive Cussler
by PimTac - 02/27/20 04:48 AM
Pirelli Cinturato P7 Allseason PLUS "II"
by Char Baby - 02/27/20 03:31 AM
CCI clean .22 ammo - polymer coated HV
by Shannow - 02/27/20 03:23 AM
5w-20 vs 5w-30
by joel95ex - 02/26/20 10:59 PM
Newest Members
Scotts994Runner, Bu33leGutz, splitthebreak, shadango, JimNastic316
70808 Registered Users
Who's Online Now
90 registered members (Astro14, 1978elcamino, 2015_PSD, askani79705, ARCOgraphite, Amenhotep, 9 invisible), 2,131 guests, and 18 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums67
Topics301,989
Posts5,206,932
Members70,808
Most Online4,538
Jan 20th, 2020
Donate to BITOG
Print Thread
Hop To
Limited Tort on Car Insurance #4115683 06/05/16 09:17 AM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
It saves you a chunk of change on your premium. Currently I do this option.

Last week we came with a hair's breath of being squashed between a two trucds. There was a car in front of me. We came to a rolling stop and a truck 1000 feet in back never slowed down and at the last second swerved around us.

Its a miracle me and the wife are around. Even though we have a Forester, we would have been pancake.

At best one of might have survived to spend the rest of our live in a vegetative state...(yes we have a living will). As a result I decided to remove the limited tort option bc it would give our kids a hammer to settle up.

I don't believe in lawsuits except under exceptional reasons. Too bad I need to go this route.


Re: Limited Tort on Car Insurance [Re: Al] #4115720 06/05/16 10:04 AM
Joined: Sep 2004
Posts: 23,863
Mr Nice Offline
Offline
Joined: Sep 2004
Posts: 23,863
Gald you cheated death. Do you have your things together, will / trust, TOD , POD, etc... in order if something happened to either of you ?

Re: Limited Tort on Car Insurance [Re: Al] #4115724 06/05/16 10:12 AM
Joined: Jul 2013
Posts: 2,956
N
NormanBuntz Offline
Offline
N
Joined: Jul 2013
Posts: 2,956
In PA the full tort option is the way to go. It protects you the most if the at fault driver is uninsured or underinsured. Be glad you're not in Philadelphia, where the premium would be more.


Porgy Tirebiter: "Heavy on the 30 weight, Mom."
2017 Toyota Camry XLE, 12K, 2nd owner
2007 Honda Ridgeline RTS, 96K, original owner
2007 Infiniti M35, 115K, original owner
Re: Limited Tort on Car Insurance [Re: Mr Nice] #4115739 06/05/16 10:36 AM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
Originally Posted By: Mr Nice
Gald you cheated death. Do you have your things together, will / trust, TOD , POD, etc... in order if something happened to either of you ?

Thanks...yea POA, Living Will, Regular will. Son has copies of all. He is 41, Daughter 45.


Re: Limited Tort on Car Insurance [Re: Al] #4115782 06/05/16 11:27 AM
Joined: Jul 2015
Posts: 5,813
M
madRiver Offline
Offline
M
Joined: Jul 2015
Posts: 5,813
I love the I don't believe in lawsuits but.....

Re: Limited Tort on Car Insurance [Re: NormanBuntz] #4115827 06/05/16 12:32 PM
Joined: Aug 2011
Posts: 9,560
H
HerrStig Offline
Offline
H
Joined: Aug 2011
Posts: 9,560
Originally Posted By: NormanBuntz
In PA the full tort option is the way to go. It protects you the most if the at fault driver is uninsured or underinsured. Be glad you're not in Philadelphia, where the premium would be more.
Up this way at least a third of the drivers are not who they say they are, are not here legally, and are driving uninsured vehicles.

Last edited by HerrStig; 06/05/16 12:33 PM.
Re: Limited Tort on Car Insurance [Re: Al] #4115844 06/05/16 12:58 PM
Joined: May 2016
Posts: 389
P
Prune_Juice Offline
Offline
P
Joined: May 2016
Posts: 389
shocked

Re: Limited Tort on Car Insurance [Re: madRiver] #4115850 06/05/16 01:05 PM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
Originally Posted By: madRiver
I love the I don't believe in lawsuits but.....


You should think before you hammer someone..I know that is enjoyable..I do it. . You can only collect even medical to the extent that the other person has medical with limited tort. Under full tort you can sue for your additional medical..as others have pointed out.


Re: Limited Tort on Car Insurance [Re: Al] #4116251 06/05/16 07:45 PM
Joined: Mar 2006
Posts: 9,614
D
dailydriver Offline
Offline
D
Joined: Mar 2006
Posts: 9,614
I am also thinking about going back to full tort, which I've had in the past mostly as a punishment method for those who insist on driving drunk/wasted, and then causing injury and death of innocents.


2016 Ford Fiesta ST 17K miles
Ravenol REP 5W-30
Fram XG3600 filter
Ravenol MTF-2 in the IB6 transaxle
Re: Limited Tort on Car Insurance [Re: Al] #4116263 06/05/16 08:02 PM
Joined: Dec 2002
Posts: 43,594
J
JHZR2 Offline
Global Moderator
Offline
Global Moderator
J
Joined: Dec 2002
Posts: 43,594
So the question becomes, what is the premium difference?

Re: Limited Tort on Car Insurance [Re: JHZR2] #4116460 06/06/16 05:43 AM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
Originally Posted By: dailydriver
I am also thinking about going back to full tort, which I've had in the past mostly as a punishment method for those who insist on driving drunk/wasted, and then causing injury and death of innocents.

That is partly my motivation...We think alike cheers Settlements on lawsuits can not be discharged in bankruptcy court. The low life will have to deal with it for the rest of his life.

Originally Posted By: JHZR2
So the question becomes, what is the premium difference?


I'll let you know today.

Last edited by Al; 06/06/16 05:44 AM.

Re: Limited Tort on Car Insurance [Re: JHZR2] #4116587 06/06/16 08:35 AM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
Originally Posted By: JHZR2
So the question becomes, what is the premium difference?

Two vehicles went from $342 to $432 for 6 months. 26 percent increase.


Re: Limited Tort on Car Insurance [Re: Al] #4118495 06/08/16 11:09 AM
Joined: Aug 2003
Posts: 12,357
J
JTK Offline
Offline
J
Joined: Aug 2003
Posts: 12,357
Glad to hear this was only a scare.

Probably a wise move going to full Tort. One never knows. Had this been more than a scare, you and/or the missus could have been hospitalized or worse and still at some point have to deal with potential lawsuits from the vehicle you were rammed into.

I have some experience with this. Years ago my wife as pushed into a car at a construction stand-still. Car #3 sped off leaving my wife and car#1. Car #1 eventually sued us for neck and back injury which took years and lots of anguish to resolve. Not even a mark on either vehicle.

Last edited by JTK; 06/08/16 11:11 AM.

2019 Nissan Pathfinder SV
2017 Ram 1500 4x4, 3.6L.
2015 Nissan Versa 1.6 S
Re: Limited Tort on Car Insurance [Re: Al] #4118514 06/08/16 11:25 AM
Joined: Apr 2013
Posts: 3,504
N
Nate1979 Offline
Offline
N
Joined: Apr 2013
Posts: 3,504
This was the first time I had heard of this limited tort vs full tort option. I guess I have never lived in a state with this option on insurance. According to what I read the only difference is that with limited tort you give up your right to sue for pain and suffering?


2015 GMC Sierra 2500 6.0L
2010 Subaru Forester 2.5X
Re: Limited Tort on Car Insurance [Re: Nate1979] #4118716 06/08/16 03:43 PM
Joined: Jun 2002
Posts: 18,829
A
Al Offline OP
OP Offline
A
Joined: Jun 2002
Posts: 18,829
Originally Posted By: Nate1979
This was the first time I had heard of this limited tort vs full tort option. I guess I have never lived in a state with this option on insurance. According to what I read the only difference is that with limited tort you give up your right to sue for pain and suffering?

The other thing you give up is ability to recover even medical expenses beyond what the other driver chooses to carry.
If he chooses not to carry enough you are screwed. With full tort you can sue to recover more medical. Even if he can't pay it the judgement against him can not be discharged in bankruptcy court.


Previous Thread
Index
Next Thread

BOB IS THE OIL GUY® Powered by UBB.threads™