Drivers in Pennsylvania have the option of choosing between “full tort” and no-fault “limited tort” coverage. For limited tort, your insurance company should pay for all reasonable and appropriate forms of medical care, property damages, and lost wages up to the limits of your policy. However, you are prohibited from suing unless the accident resulted in “serious injury” – one that results in death, serious impairment of the body, or permanent serious disfigurement. If your injury is considered serious or if you have “full tort” coverage, you have the option of suing the driver whose negligence caused the accident. If you win a lawsuit, you can recover both economic and noneconomic damages.