Pennsylvania law states that full tort coverage gives the injury victim an unrestricted right to seek compensation for injuries from the at-fault driver. In Pennsylvania, residents have tort coverage on their car insurance policies.However, you can choose between "Limited Tort" and "Full Tort" coverage. In Pennsylvania, you have the right to elect one two (2) types of automobile insurance; full tort or limited tort. Drivers in Pennsylvania have the option to choose between full tort and limited tort insurance. A local agency shall be liable for damages on account of an injury to a person or property within the limits set forth in this subchapter. If you've been involved in a personal injury accident in Pennsylvania, it's important to understand how limited tort insurance works. See 75 Pa. Cons. Stat. In recognition of the concept that someone who does not maintain liability insurance coverage on his own vehicle should not benefit from that misconduct by. Pennsylvania has laws in place to protect victims of negligence.