According to the Pennsylvania Department of Insurance, Pennsylvania drivers may choose Limited or Full Tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however, you are not able to recover certain damages, such as payments for pain and suffering, unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.
State laws vary regarding "comparative negligence." Comparative negligence is a term used to describe an auto accident where two or more people are deemed at fault. Pennsylvania comparative negligence law states that in order to recover for your injuries, you must establish that the other driver was more than 50 percent responsible for the car accident.
Although car accidents in Pennsylvania are common, the process of filing claims and recovering damages can be complex. An experienced auto accident attorney can explain your legal options and offer advice regarding the best route to take in order to increase your chances of a successful settlement.