Car Accidents Pennsylvania’ Insurance Coverage & Liability

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Pennsylvania, like each of the other fifty states, has its own unique set of laws governing the operation of motor vehicles. It also has a unique body of auto insurance laws. In Pennsylvania, each and every driver must purchase and maintain an auto insurance policy that has limits of at least $15,000 per person/$30,000 per accident coverage. Additionally, each policy must also include at least $5,000 in property damage coverage as well as $5,000 in personal injury protection (PIP) coverage.

The Pennsylvania Department of Insurance allows drivers to maintain either Limited or Full Tort insurance coverage. Offering significant savings on the premiums paid, Limited Tort coverage allows you to recoup economic damages (medical expenses, lost wages, etc.), but limits your ability to sue for and recover damages for pain and suffering. Exceptions to the limitations are defined in Act 6 of 1990, Title 75, Section 1705(d) in the Pennsylvania state code. Full tort coverage has a much higher premium, but also offers no restrictions as to damages or ability to sue.

Pennsylvania incorporates principles of “comparative negligence” when dealing with auto accidents. Comparative negligence refers to the percentage of negligence attributable to each involved party in a multi-party auto accident. Pennsylvania bars recovery if your percentage of fault is 50% or more. So, in order to recover, the other party or parties need to be more than 50% responsible for your damages.

Insurance claims and lawsuits spinning out of auto accidents can be complex. A licensed, experienced and reputable auto accident attorney can help you assess all of your legal rights and options post-accident, and will be able to advise you on how best to obtain compensation for your damages and injuries. Find a Pennsylvania personal injury attorney at

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