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Q: Attorney Tully, should I get the Full Tort or Limited Tort option on my auto insurance policy? The Limited Tort option is cheaper and I can save some money that way.
A: Absolutely not. Why? First, the difference you save is not that much anyway. Second, if you choose the Limited Tort option and you are injured in an auto collision, you may not be able to recover for your pain and suffering even if it’s 100% the other person’s fault. There are some exceptions to this, like if the other person is charged with DUI, but generally when you choose the Limited Tort option you must prove your injuries are “serious” to get money for your injuries. That is very difficult in most soft tissue cases. We do auto accident cases. No recovery/no fee.
