Pennsylvania offers a choice of insurance, but it is not that simple. Pennsylvania requires all drivers to purchase bodily injury coverage, personal injury protection (PIP), and property damage liability. Above that, it offers full or limited tort.nnLimited tort works much like a no-fault policy. It allows for medical expenses and lost wages, but it does not allow for pain and suffering. A lawsuit may be filed against the other driver only for what would be considered a serious injury. These exceptions include dismemberment, scarring, impairment of body function, or death.