If I don’t own a vehicle in Pennsylvania do I have full or limited tort?

If you don't own a vehicle in Pennsylvania and you are injured in a car accident then you may still have the right to recover damages for your injuries. Whether you will be considered to have full tort or limited tort insurance for purposes of your recovery depends on several factors.

Regardless of whether you are deemed to have limited tort or full tort insurance coverage you will likely be able to recover for the economic damages related to your accident. Economic damages include things such as medical expenses, out of pocket expenses and lost income.

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When determining whether you have full tort insurance that would allow you to recover for pain and suffering or limited tort insurance that would only allow you to recover for pain and suffering only in certain situations, the court will first consider whether you have purchased any kind of car insurance. If you have purchased insurance then that will determine if you have full or limited tort coverage. If you have not purchased insurance and you live with a relative who has Pennsylvania car insurance then you may be bound by that relative's insurance choice. If you do not live with a relative with has PA car insurance then you may be considered to have the insurance that was in place on the vehicle that you were in at the time of your injuries.

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If you know someone who was injured in PA car accident, but does not own a car in Pennsylvania, then please share this post with that person so that he or she has a better understanding of his or her potential recovery.

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