Understanding Full Tort and Limited Tort in Georgia Auto Insurance Policies

When you’re navigating the aftermath of a car accident in Georgia, understanding the nuances of your auto insurance policy is paramount. Particularly, the distinctions between full tort and limited tort coverage can significantly impact your legal rights and compensation recovery options. In this blog post, we’ll delve into these two types of coverages and explain how they influence your ability to seek damages post-accident. At Blevins & Hong, PC, located in Duluth, GA, we specialize in Car Accident Litigation, and we’re committed to helping you understand these critical distinctions to better protect your rights.

What is Full Tort Insurance?

Full tort insurance offers you unrestricted rights to seek financial compensation for pain and suffering after an auto accident, regardless of the severity of the injury. This type of coverage allows you to file a lawsuit against the at-fault driver for both economic and non-economic damages. Non-economic damages can include aspects like pain and suffering, emotional distress, and loss of enjoyment of life, which are not easily quantifiable.

What is Limited Tort Insurance?

Limited tort insurance, on the other hand, restricts the policyholder’s ability to sue for non-economic damages unless the injuries sustained meet a “serious injury” threshold as defined by state law. Typically, this means that the injuries must be severe enough to significantly impact one’s lifestyle permanently. While limited tort policies often come with a lower premium, they can substantially limit your compensation in the event of an accident.

Implications of Choosing Between Full Tort and Limited Tort

The choice between full tort and limited tort can have long-term financial and legal implications, particularly in the event of a severe accident. Here’s how these choices play out:

Cost vs. Coverage

While full tort coverage generally comes with higher premiums, it provides broader protection and the potential for greater compensation. Limited tort, although less expensive monthly, could mean significant out-of-pocket costs in the future if severe injuries occur.

Legal Rights in Auto Accident Claims

With full tort coverage, you retain the right to pursue a claim for pain and suffering and other non-economic damages, which can be crucial following a serious accident. Limited tort restricts this right, which can be a critical disadvantage during recovery and litigation.

How Blevins & Hong, PC Can Help

At Blevins & Hong, PC, we understand that the aftermath of a car accident can be overwhelming. As specialists in Car Accident Litigation serving Gwinnett County, Hall County, and Forsythe County, we are dedicated to ensuring that our clients receive the compensation they rightfully deserve. Our team of skilled attorneys is well-versed in navigating both full tort and limited tort cases, and we are equipped to guide you through the complexities of your insurance policy and legal options.

We are proud to have been recognized for our commitment to our clients and our expertise in personal injury law. As relentless advocates for your rights, we embody our slogan: Injury Attorneys Relentlessly Fighting For The Compensation You Deserve.

Contact Blevins & Hong, PC Today

If you’re dealing with the consequences of a car accident in Georgia and need expert legal advice on your insurance coverage, don’t hesitate to contact Blevins & Hong, PC. Our office hours are designed to accommodate your schedule, ensuring that you can receive the guidance you need when you need it. Reach out today to schedule a consultation and take the first step towards securing your future.

In conclusion, understanding the difference between full tort and limited tort in your auto insurance policy is crucial for any driver in Georgia. Knowing these details can significantly influence your ability to recover damages after an accident. At Blevins & Hong, PC, we are here to help you navigate these legal waters and fight relentlessly for the compensation you deserve.

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