There’s no widely accepted agreement on which limits and protection plans make up the full coverage. Instead, it represents an insurance plan that makes you feel sufficiently secure. Our version of full coverage auto insurance in PA would include $100,000/$200,000 in liability limits for bodily injury and $30,000 for property damage. We would also choose comprehensive and collision coverages, each with $500 deductibles. Finally, we’d select uninsured/underinsured motorist protection with limits equal to the liability. We do not think full tort is necessary, but we would choose PIP limit that’s between $10,000 and $30,000.