Is Pennsylvania a No-Fault Car Accident State?
Pennsylvania is not a traditional no-fault state. Instead, it operates under a "choice no-fault" or "modified no-fault" system, giving drivers options when purchasing auto insurance.
How Pennsylvania's System Works
When buying car insurance in Pennsylvania, you can choose between:
Limited Tort Coverage: This is the no-fault option. You're restricted from suing for pain and suffering unless you meet specific thresholds, such as serious injury, death, or medical expenses exceeding $5,000. In exchange, you typically pay lower premiums.
Full Tort Coverage: This allows you to sue the at-fault driver for all damages, including pain and suffering, regardless of injury severity. Premiums are generally higher.
Key Considerations
Most Pennsylvania drivers choose limited tort for cost savings, but this limits your legal options after an accident. Full tort provides more comprehensive protection but costs more upfront.
Understanding your coverage choice is crucial because it directly affects your rights and compensation options following a car accident.
If you've been in an accident, contact Munley Law today for a free consultation.
Note: Every accident case is unique, and settlement amounts vary based on specific circumstances. Past settlements do not guarantee similar outcomes in future cases.
