You can read our full article: Full Tort vs. Limited Tort Insurance Policies.
Quick summary:
Although auto-insurance companies market limited tort policies as a way for you to reduce auto-insurance premiums, the limited tort option severely reduces your ability to receive fair compensation for your injuries while only marginally reducing the premium expense. Therefore, it’s very important that you choose the “full tort” option on your car insurance. And if you are not sure whether you have it, call your insurance company and ask.
In some situations, you can receive compensation for pain and suffering even if you have the limited tort option selected on your car insurance policy. You can download a full copy of the Pennsylvania Motor Vehicle Responsibility Law for your reference. In addition, some examples where you can get money for pain and suffering even if you have the limited tort option on your policy include:
Car accidents caused by a drunk driver who is convicted of a DUI offense
The at-fault driver was operating a car that was registered in a state other than Pennsylvania
You were a passenger in a commercial vehicle, like a bus or a taxi
At the time of the accident, you were a pedestrian