Auto Insurance FAQs

First and foremost, one of the things you must consider in purchasing auto insurance is the “full tort” option. If there is any way to stretch your budget to purchase full tort, as opposed to “limited tort,” do it. Limited tort really means limited ability to sue, when and if you are in an accident. Limited tort insurance could have a severe impact on you and your family. Full tort insurance allows you to recover all damages that could potentially be available to you when you are hurt in an accident. However, when you purchase a limited tort, you are essentially giving up the right to sue for your pain and suffering damages, which can be significant. Does full tort insurance cost more? Yes, but whatever limited savings you might achieve could be wiped out many times over if you are in an accident while carrying limited tort insurance. In addition to full tort coverage, you should purchase sufficient uninsured (UM) and underinsured (UIM) motorist coverage. This is coverage that protects you in the event that the responsible party doesn’t have any, or not enough, insurance to adequately compensate you for your losses. The temptation when purchasing auto insurance is always to get the best deal or the cheapest premium. But you shouldn’t do so at the expense of coverage that could protect you when you need it.