When you purchase car insurance in Pennsylvania, you must choose between the "full tort" and "limited tort" options. This choice is very important because it will determine if you will be permitted to receive money as compensation for bodily injuries that you or others may suffer in an auto accident.
Under the "limited tort" option, you give up your rights to such compensation unless it is determined by the judge or a jury that you have suffered a "serious injury"– a term that is without any clear definition in the law. In exchange for giving up your rights, your insurance premiums will be smaller.
The "full tort" option permits you to keep your full legal rights to compensation for any and all bodily injuries.