Pennsylvania Full Tort, Limited Tort, Serious Injury & Statutory Exceptions

Pennsylvania motorists may elect full tort or limited tort. This guide addresses the effect of the election on noneconomic damages, the statutory serious-injury standard, household implications, and exceptions that can restore full-tort rights.

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Current-law review: September 23, 2026. Verify current 75 Pa.C.S. §1705, serious-injury authority, statutory exceptions, election forms, and controlling decisions before publication.

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PUBLIC-INTEREST LEGAL EDUCATION

VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.

Official Pennsylvania sources

Pennsylvania General Assembly · Pennsylvania Insurance Department · Unified Judicial System of Pennsylvania

Bottom line. Preserve Pennsylvania-specific first-party benefits, UM/UIM, tort-option, comparative-negligence, government-claim, damages, settlement and current-authority issues before legal reliance.

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A Citizen’s Guide to Auto Insurance and Crash Law

Find the state. Identify the problem. Preserve the record. Learn the law. Make an informed decision.

Public-interest education only. No legal services offered or accepted. No attorney-client relationship created. Verify current primary authority and the law applicable to the particular event before legal reliance.