Pennsylvania gives drivers two options for car insurance coverage: full tort and limited tort, also known as no-fault. No-fault insurance means that regardless of who was at fault for an accident, each driver’s losses are covered by their auto insurance.nOnly drivers with full tort insurance coverage can pursue liability claims against another at-fault driver for all economic and non-economic damages. Compensation for a car accident in Pennsylvania may include some or all of the following:nMedical bills, including ambulance transport, hospital stays, surgeries, medication, doctor visits, and other reasonable medical expenses.nLost wages, present and future.nVehicle repairs or replacement.