As a Connecticut driver, you will be able to choose between two different types of car insurance, both of which have their own advantages and disadvantages. While ‘limited torts’ will save you some money month to month, having ‘full tort’ insurance means that you will be covered in situations of injury with the opportunity to file suit for pain and suffering.
In the event of an accident, having saved up small amount each month in insurance savings won’t be enough to cover your hospital bills or loss of wages, and at Berliner-Gelfland, we see strong advantages for having Full Tort protection.
Limited Torts: If you choose to subscribe to a car insurance policy with only limited torts, you will be forfeiting your right to any ‘pain and suffering’ monies you would otherwise have been entitled to receive. For many drivers, the initial reaction is to go for the short term benefits, and they end up losing out in the long run after they have a serious accident and do not have the coverage they expected. The effects of a damaging car accident are long lasting, and we want to ensure that our clients are protected in the event of the unthinkable.
Full Torts: With Full Torts, your auto insurance payments will go up slightly, but you will be granted the peace of mind that comes with knowing that you will have the ability to be protected should anything happen to you in a car crash. This is especially important when the accident is you did not cause! There’s nothing worse than being injured in an accident where you did nothing wrong, and still getting stuck with the hefty bill afterward. Getting Full Tort insurance is recommended to all drivers who do not have the means to fully pay for the result of an injury, because a car accident can be life changing, and you never know what could happen.
No one wants to think about the effects that a car crash will have on their lives or that of their family, but it’s a conversation that you can’t afford to put off until it’s too late. Understanding which auto insurance coverage is right for you is vital for any driver, and purchasing Full Tort coverage is just one part of that process. At Berliner-Gelfland, we are dedicated to working with you through this area of insurance, as well as many others.
If you still have questions about choosing between Limited Tort and Full Tort for your new car insurance policy, we encourage you to contact us further at Berliner-Gelfland. We understand the confusion that surrounds a violent car accident and want you to know that paying for the repercussions are one less stress you’ll need to deal with once you have our team on your side. With over 50 years of experience, we are confident that we can provide you with the top-notch service you deserve. For more information or to schedule an appointment, call us at 203-367-7704 to get started.