Hi, I’m John Ostroff. Thanks for visiting Ostroff law.com you clicked on the question, I have full coverage. I’m protected. What exactly is full coverage? I’m going to answer that for you. There’s a lot of confusion over this and the confusion is because there’s three common insurance terms, full coverage, full tort and limited tort and I want to make sure you understand the difference. In fact, if you click on the on the question below, below me on this screen, you’re going to learn more about limited tort insurance and when you can pursue a claim with limited tort insurance, I’d recommend that you look at that. If you have limited tort. Full tort means you have pre preserved your rights to sue under all circumstances. If you’ve been injured in a car accident, full coverage is what people think they have because they’ve met the standard for insurance coverage in Pennsylvania.
Often people confuse full coverage with limited and full tort and they’re really very different. Full coverage simply means that you have at least the minimum that you’re required. You have the law, the minimum medical insurance coverage in Pennsylvania. You have the minimum liability protection, which is what protects you. If you’re at fault for a crash, you have the the minimum, but it’s still full coverage. Even though you don’t have a lot of coverage. It could also be the highest coverage you can get. Full coverage just means you’ve met state requirements, full torte and limited torte are worth learning more about, and that’s why I recommend you click on the limited tort question to learn more about that. I hope that answers your questions. Thanks.