Full vs. Limited

• With full tort coverages, policyholders are legally authorized to litigate against the at-fault party for any medical expenses and additional expenses incurred as a result of the accident. Full tort coverage also permits the policyholder to sue for pain and suffering and other damages from the accident. Similar to full tort, limited tort permits drivers to litigate for medical expenses. However, limited tort policyholders are prohibited from seeking damages for pain and suffering and other non-monetary damages. Due to the restricted rights, the insurance premiums for limited tort coverage is often substantially less than those for full tort coverage.
  
  

Limited Tort Exceptions

• Under Pennsylvania regulations, limited tort coverages are automatically expanded to full tort protection when the policyholder is injured as a result of a repairing, servicing or manufacturer defect or omission, or when injured while traveling as a passenger in a commercial or non-private passenger vehicle.
  
  

Additional Coverage Requirements

• Along with the insurance selection, Pennsylvania drivers are required to maintain medical expense coverage of at least $5,000. This coverage reimburses the driver and passengers for medical expenses, regardless of fault. Pennsylvania regulations also require bodily injury and property damage liability coverages of at least $15,000 per person; $30,000 per accident with $5,000 in property damage. These coverages reimburse the other party for medical expenses and property damage when the policyholder is found at-fault for the accident.
  
  

Uninsured and Underinsured Motorist Coverages

• Uninsured and underinsured motorist coverages protect drivers from injuries caused by at-fault parties with no coverage or not enough coverage to cover your injuries. Though required, Chapter 17 of the Pennsylvania Vehicle Code provides drivers with the right to reject these coverages by signing a waiver, or rejection form, for each coverage. Drivers that fail to return the signed rejection forms by the indicated date will have uninsured and underinsured motorist coverages added to their auto insurance policy with limits that are equivalent to their current bodily injury and property damage liability limits.
  
  

Exclusions

• Pennsylvania drivers have a right to choose which drivers they want to insure on their auto insurance policy. Policyholders are not required to insure all the licensed drivers in their household. To exclude the unwanted licensed drivers, the policyholder must sign an exclusion form and provide proof that the excluded driver is insured under another auto insurance policy.