I understand the no-fault and fault systems. Which does Pennsylvania follow?
Pennsylvania is a confusing combination of both "no fault" and "at fault." The "no fault" provision of the Pennsylvania system applies to medical expenses and lost wages, so each insured looks to his/her own automobile policy for benefits, regardless as to the cause of the accident or whether the insured was personally responsible for his injuries. The "fault" provision of the Pennsylvania system applies to pain and suffering and other 'non-economic' losses, so the person who acted negligently and caused another's injuries is responsible for compensating the injured for his or her damages. Due to the complexities of the system, those involved in an accident are encouraged to contact an experienced car accident attorney in Pennsylvania.
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