Pennsylvania allows drivers to choose between “Limited Tort” and “Full Tort” auto insurance. Choosing Limited Tort typically means a lower premium but restricts the right to seek compensation for pain and suffering unless the injuries meet a “serious injury” threshold. Full Tort coverage costs more but does not restrict the ability to sue for pain and suffering. This can seem a little backwards to some drivers since what you pay influences your ability to pursue full compensation from someone else. How much you spend doesn’t affect your own liability protection, which is typically how auto insurance works. In other words, if you have limited tort coverage and you cause a crash with someone who has full tort coverage, they can sue you for pain and suffering damages. If fault is disputed in the crash and you pursue a claim against the other driver, you would not be able to sue them for pain and suffering damages.