Protecting Pennsylvania Drivers: Expert Insights HGSK Attorneys Explain How to Navigate Auto Insurance and Accident Claims Limited Tort or Full Tort: What Should Pennsylvania Drivers Pick and Why? When reviewing your auto insurance policy, one of the most important—and often misunderstood—choices you’ll make is whether to select full tort or limited tort coverage. This decision can have a major impact if you or a loved one is ever injured in a crash. With limited tort coverage, you agree to give up your right to recover for pain and suffering unless you suffer a “serious injury,” such as a permanent disfigurement or a serious impairment of a bodily function. You can still recover economic losses like medical bills or lost wages, but not for the very real physical and emotional harm caused by another driver’s negligence—except in limited circumstances, such as when the atfault driver was DUI or the vehicle was registered outside Pennsylvania. Full tort coverage, on the other hand, gives you full protection. It allows you to pursue both economic and noneconomic damages, regardless of how severe your injuries may appear. Importantly, your tort selection generally applies to everyone covered under your When it comes to car insurance and crash recovery, few topics cause more confusion—or carry higher stakes—than Pennsylvania’s tort options, insurance deadlines, and post-accident procedures. To help drivers understand how these laws really work, Lawyer Monthly spoke with Jared M. Teich, Partner at Haggerty, Goldberg, Schleifer & Kupersmith, P.C. (HGSK), who co-authored these insights with Shareholder Jeffrey Stanton. Together, they break down some of the most common—and most critical—questions Pennsylvania drivers face after a crash, from choosing the right coverage and handling medical bills to protecting your rights when insurers or government entities are involved. Below, Teich and Stanton share practical, plainEnglish answers that every Pennsylvania motorist should know before—and after—a collision. 18 LAWYER MONTHLY DECEMBER 2025 www.arielgroup.com
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