Car Insurance | Pennsylvania | Insurance near me PA | Full Tort vs Limited Tort

In this video I go over the Car Insurance coverage for Pennsylvania and what it requires you to carry compared to what a typical insurance policy will look like. Covering the different first party medical benefits and how to combine them as well as, the difference between stacked and non-stacked um/uim insurance.
Full Tort vs. Limited Tort and which is best for you. You will be surprised on the cost difference and how little or much each option has.
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Disclosure: Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

[@tiffsterritoryonyoutube]

I needed the full tort/limited tort explanation, thank you!

[@KrazyKuul111]

Im glad you mentioned how $5000 liability isnt enough. I was in a 3 car accident that wasnt my fault. The at fault drivers insurance only wanted to pay me $700 for my totaled car and I had a $500 towing bill. I had to sue and eventually got paid but it took a year and was very stressful and time consuming, and I was lucky to have gotten what I was owed. It isnt much more expensive to go from $5000 to $100000 worth of coverage

[@MountainSalsa]

TY

[@tayotb4442]

Hello can you use limited tort on full coverage?

[@ThinkInsurance]

Full coverage refers to adding comprehensive and collision which if covering your car where limited/full tort is referring to your medical related injuries.
If you’re in PA you will always have the tort unless they ever change the law. It’s mandated by the state to have medical to at some point

[@taybeatshd2108]

Ok thank you

[@JSC-ORD]

Does an insurance companies A&M best rating really matter since The states guarantee fund will take care of any insolvent company claims?

[@ThinkInsurance]

The A.M. Best rating is does matter to a point yes. If you see a company going under on there you don’t want to join them. Sure will the state try to fix issues, likely yes but how long will it take?
On top of that I feel the lower rated companies are less likely to have hired the right employees and give them proper training to handle your claims and concerns with experience and care.

[@JSC-ORD]

Mark Flockhart Thank you for your response do you sell auto insurance in Illinois?

[@JSC-ORD]

INSURANCE in illinois in General?

[@ThinkInsurance]

Joshua Sellas Casian Yes, you can go to my site to fill out a quote in the description or at www.thinkinsuranceguide.com/bestquote

[@JenMarco]

I thought this was about tort

[@stevesuchon6879]

Don't label a video "full tort vs limited tort" and talk about everything else except the topic. Wtf?

[@ThinkInsurance]

Thanks for the feedback. I believe the section you're looking for is 6:58 to 9.35 where I discussion the two different tort options.