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Learn about full and limited tort car insurance and if you can sue after an accident.
Both full tort and limited tort coverage only apply in situations where the driver or passengers have been injured in an accident that is not the driver's fault. The victim then has the option of bringing charges against the at-fault driver to sue in court for unpaid medical bills, property damage, loss of income, pain, and suffering.
State Requirements: While most states don't mandate separate insurance for permit holders, all drivers (including those with permits) must comply with the state's minimum liability insurance ...
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
The insurance company will ordinarily pay the judgment, up to the policy limits, once a court determines that an uninsured motorist was at fault. Some states' laws also allow additional insurance coverage to the insured policyholder through policy stacking provisions, whereby a claim may be made against multiple uninsured motorist policies.
All new drivers, regardless of age or experience level, are legally required to obtain car insurance coverage. Age, driving record, location, gender, marital status, vehicle type, credit history ...
The automobile insurance industry generally supports graduated licensing. However, some youth rights advocates have accused insurance companies of charging premiums to new and young drivers in GDL jurisdictions that are not substantially less than premiums in non-GDL jurisdictions, even though graduated licensing supposedly reduces the risk of accidents.
The other 38 states follow tort insurance systems, where the victim of an accident can file a claim with the at-fault driver’s insurance company to help pay for resulting medical expenses.