re pennsylvania insurance limited tort option in my opinion the limited tort option is the best thing casey has ever done basically limited tort means that you give up your right to sue for pain and suffering unless one of the following conditions is met your medical bills resulting from the accident exceed x where x is some number like i m not sure of the exact number the accident was caused by a drunk driver i mean the other driver was drunk you get a good lawyer and have a good case basically you can appeal to regain your right to sue but there s almost no chance of this ever happening you are only giving up your right to sue for pain and suffering you can still sue for medical costs actual damages etc by agreeing to limited tort you are essentially giving up your right to be an asshole who treats every accident as an entry into the litigation lottery in exchange you get a substantial reduction in your rates i save year unfortunately the insurance companies have managed to scare and confuse people so much that only about of pennsylvanians go for limited tort i guess that s ok if more people opted for it the insurance companies would be pushing harder for repeal
