Is PA a no fault auto insurance state?
Question:
Answer:
No, it is not.
They follow the laws of comparative negigence, which means you can be found at fault for a loss, but you can recover if your negligence is not more than the other person's.
With regard to no fault benefits, that usually refers to medical payments or PIP coverage, which is mandatory in PA of at least 5k for medical bills. You must use this coverage under your own auto policy and submit bills to that carrier for payment. There is also full and limited tort. Full tort election means you can make a claim for pain and suffering against the at fault party. If you selected limited tort on your policy that means you get no pain and suffering and can only collect for any expenses you incurred for medicals or lost wages. There are various limits of coverage for PIP in PA, so you'd need to check into that with your carrier.
To my knowledge it is
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