Pennsylvania Is a Quasi No-Fault Car Insurance State
Pennsylvania is one of about a dozen states that have a form of “no-fault” car insurance law. This means your own insurer is responsible for paying all or part of your medical bills, and may be responsible for lost earnings as well after a crash, regardless of who or what was responsible for it. This is called first-party coverage.
Your options when purchasing insurance: Full vs Limited Tort
In addition, when you purchase a car insurance policy, the provider must offer you the choice between two options: full tort and limited tort.
Limited tort policies do not allow you to recover compensation for noneconomic damages like pain and suffering or emotional distress, even if you are not at fault in the accident, unless your injuries result in death, serious impairment of a body function or permanent serious disfigurement. However, there are exceptions that an experienced personal injury lawyer may be able to take advantage of to make you full tort.
Selecting full tort provides the greatest level of protection for you and your family and allows you to seek compensation for all of your injuries.
We always recommend that you purchase a full tort policy if you can afford it, as full tort does not waive your right to collect damages after a car accident.