Pennsylvania is considered a no-fault insurance state for automobile insurance. However, Pennsylvania drivers can choose to purchase full tort insurance coverage or limited tort insurance coverage. With limited tort insurance, accident victims are restricted in their ability to pursue damages from another party even if that party is completely responsible for causing the traffic accident. Many people purchase limited tort insurance because the premiums are less expensive compared to the premiums for full tort insurance. However, motorcyclists are more vulnerable to serious and life-threatening injuries in an accident because of a lack of protection. Occupants in cars and trucks are protected by the metal frame of the vehicle, seat belts, airbags, and other safety measures. Therefore, an exception for motorcyclists exists that allows a person injured while riding a motorcycle to seek and recover full tort damages even if the person has limited tort insurance coverage. An insurance adjuster may try to convince you that you are not entitled to compensation under Pennsylvania’s insurance laws. Do not rely on the information provided by an insurance company. Always consult with an experienced Erie motorcycle accident attorney to determine your legal rights after a motorcycle crash.