All motor vehicle drivers in Pennsylvania are required to show proof of financial responsibility on motor vehicles that are registered in the state. This comes in the form of mandatory car insurance. Pennsylvania is unique in that it is one of just 12 no-fault states in the country. Under the no-fault rule, motorists must pay for their own car accidents, regardless of fault, with some exceptions.
Currently, the required types of auto insurance in Pennsylvania are:
$5,000 in medical benefits, also known as personal injury protection (PIP)
$5,000 in property damage liability insurance
$15,000 per person in bodily injury liability insurance
$30,000 for injury or death to multiple persons, or per accident
A driver can choose to purchase full tort or limited tort insurance coverage. Limited tort is less expensive but limits a driver’s ability to file a claim against another driver to only crashes that cause severe injuries and meet the state’s threshold. Full tort insurance, on the other hand, gives a driver unrestricted rights to bring a lawsuit against an at-fault party.