Pennsylvania is one of 13 states that functions under a No Fault System in regards to automobile insurance.
Under no fault, when you have an accident, your insurer automatically pays for your damages up to your policy limit, regardless of which party was actually at fault.
All states have different laws regarding auto insurance. For Pennsylvania drivers, the “right to recover damages” is labeled as “tort options” in car insurance policies. An individual’s level of tort coverage defines his/her ability to seek compensation for an accident in which that person is