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What Auto Insurance Coverages are Necessary to Protect Me in Pennsylvania? 2011

Posted by Sandra Worthington | Jan 11, 2011 | 0 Comments

There is no such thing as “Full Coverage” under the PA Motor Vehicle Code-don't confuse this term with the term “Full Tort”!

Many times a client injured in a car accident will come into my office and tell me that they are fully protected and have “full coverage.” I look at their insurance policy and see that they have liability coverage and collision coverage but also “Limited Tort,” as opposed to “Full Tort” coverage. They say that their agent told them they have full coverage, but this is quite misleading. Do not make the mistake of signing away your Full Tort coverage, or you may not be able to file a claim for your injuries AT ALL.

If you want further information and details about the meaning of “Full Tort” call (215) 576-5150 or go to and request a free copy of our book, The PA Accident Book: Five Deadly Sins that can Wreck your Injury Claim. The book explains the reasons why you DO NOT WANT to purchase Limited Tort regardless of the fact that it is less expensive. It just isn't worth the risk!

You need Uninsured AND Under-insured motorist coverage even though the law does not require them!

Many people in PA and elsewhere are driving vehicles with little to NO INSURANCE to protect you if they hit and injure you. You need UNINSURED and UNDER-INSURED Motorist Coverage. Of course, it is illegal to drive without insurance, but many feel that if they don't get caught, then why purchase it? There is minimal enforcement of the law requiring drivers to have insurance. Why take a chance? Others buy the cheapest auto policy they possibly can. The minimum coverage available in PA is $15,000 per person/ $30,000 per incident. If an under-insured driver seriously injured you with a $15,000 policy, would you be “made whole”? I don't think so. You need to protect yourself and your family by purchasing Underinsured Motorist coverage. Both of these coverages are very inexpensive compared to the primary liability coverage. Call your agent today and ask to buy these two critical coverages.

More than one in thirteen vehicles that you encounter on the highways of PA are uninsured!

This fact was cited in a report on “Affordability and Availability of Auto Insurance in Southeastern PA,” as published by the Legislative Budget and Finance Committee. Are you shocked by this? I certainly was. I have the highest Uninsured Motorist Coverage policy limit my company will sell me. I do not ever want to be the victim of the one out of thirteen! You need to call your agent and purchase the following immediately:

1. Full Tort

2. Uninsured Motorist Coverage (the highest limit you can afford) 3. Under-insured Motorist Coverage (the highest limit you can afford)

Every week we hear from clients we CAN'T represent because they did not purchase these critical insurance coverages. Don't be foolish – call your agent today.

Additional resources provided by the author

For additional information, check “The PA Accident Book: Five Deadly Sins that can Wreck your Injury Claim” or go online to

About the Author

Sandra Worthington

I am all about YOU. You have been in an accident, and you need a lawyer who understands you and your injuries. Many of my clients are active folks of all ages who are or were involved in walking, running, biking, skateboarding, surfing, yoga, weight-lifting, racquet sports, and countless other a...


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