After a car accident, knowing how you can get compensation is important. Pennsylvania is a no-fault state, meaning that your insurance company may cover most of your expenses related to the accident, regardless of who was at fault. However, there are exceptions to this.
Knowing your rights and responsibilities in a no-fault state like Pennsylvania can help protect yourself, your property and your finances if you’re in an accident.
Limited tort option
When you buy car insurance in Pennsylvania, you can choose between a full tort or a limited tort option. Limited tort usually has the advantage of offering a lower premium and less expensive fees overall. The drawback is that it will be harder to sue another driver, even when it is clear that they caused the accident. Your insurance company will cover medical bills, property damage and lost wages up to a certain amount, but it will be challenging to get compensation for emotional distress or pain and suffering. Ongoing injuries could end up costing you more than you realize, with no recompense.
Full tort option
While the full tort option can be expensive, it is an effective way to get around the limitations of Pennsylvania’s no-fault policy. As long as you have documentation that can prove that the other driver caused the accident (such as photographs and witness statements), you can file a lawsuit and potentially get the compensation you deserve.
Living in a no-fault state can be confusing and stressful, particularly if you have been in an accident and are unsure who is responsible for what. It is important to understand the system so you can navigate it properly.