Who Bears the Burden of Proving a Plaintiff is Covered by the Limited Tort Option?

In the case of Rogers v. Blair, No. 2:24-CV-01534-ETH (E.D. Pa. July 28, 2025 Hey, M.J.), a federal magistrate judge addressed the issue of how to resolve a dispute over whether or not a motor vehicle accident Plaintiff was covered under the limited tort option.

In this matter, on the issue of whether the Plaintiff was covered under the limited tort option or the full tort option, the record revealed that the only evidence in the case was that the Plaintiff testified at his deposition that he was unsure as to which coverage he selected.

The court ruled that, because the issue of the limited tort defense is considered an affirmative defense, Defendants bear the burden of proving a limited tort election. In this regard, the court cited to the case of Sanderson v. Cruz, U.S., 88 F. Supp. 2d 388, 392 (E.D. Pa. 2000). The court also noted that a Plaintiff’s uncertainty as to which coverage he or she may have selected is not determinative on the issue. In this regard, the court cited with a “see” signal Vaughan v. Williams, 725 EDA 2023, 2024 WL 1231352, at *3-5 (Pa. Super. 2024) (affirming trial court’s decision finding that Plaintiff elected limited tort as a matter of law, focusing its analysis on the signed tort election form and associated policy documents, as opposed to phone call transcripts and oral statements).

In this Opinion, the court noted that the Plaintiff’s decision to raise this limited tort election issue through a Motion In Limine rather than through an earlier a Motion for Partial Summary Judgment, combined with the absence of the relevant insurance documents, rendered the resolution of this matter ill-time given that it was presented on the eve of trial. 

As such, the judge denied the Plaintiff’s Motion in Limine to have the Plaintiff deemed to be full tort as a matter of law.  Presumably, the defense was going to be permitted to present evidence a trial through an insurance representative as to the Plaintiff’s election of a limited tort choice.

In another decision of note in this Opinion, the court barred a Defendant in a rear-end motor vehicle accident from arguing at trial that the Plaintiff was not injured in the accident given that both parties had acknowledged, through expert testimony, that the Plaintiff had indeed sustained some form of injury.

Anyone wishing to review a copy of this decision may click this LINK.  The court's companion Order can be viewed HERE.


Source: “Article – “Defendant Can’t Argue Rear-End Crash Didn’t Result In Injuries, Pa. Fed. Court Rules Citing Defense Expert Report” By Riley Brennan The Legal Intelligencer (July 30, 2025).

Source of image:  Photo by Niki Nikitaxnikin on www.pexels.com.