While most states in the U.S. are fault state, Pennsylvania is quite different and more complex than every other state. In fault states, the driver that causes an accident takes care of all damages and expenses that victim incurs. Pennsylvania, on the other hand, is a no-fault state. It means that everyone that takes part in an accident will require to get all the compensation from their insurers. 

The insurance laws in Pennsylvania are slightly more detailed than all the other no-fault states. Anyone has the option to choose if they want to purchase a limited tort or full tort auto insurance. When a driver selects limited tort insurance, it means the driver prefers the no-fault system where they may not be able to file a lawsuit for compensation after an accident. Instead, the driver may raise a claim with their insurance provider regardless of whose fault it is. The application from the insurer caters to all the medical bills and lost wages, but it does not cover emotional distress, suffering, and pain. 

Many drivers choose to buy limited tort auto insurance since it is inexpensive and comes with lower premiums. However, it limits a driver from receiving full compensation after an accident. 

When a driver purchases a full tort auto insurance, they do not conform to the no-fault system that provides them with numerous limitations. A full tort auto-insurance allows drivers to file lawsuits and receive total compensation from the at-fault driver that may sort the medical expense or lost wages. It is not many drivers that purchase this insurance cover since it is more expensive than limited tort insurance.