(i) Intentional misrepresentation. (ii) An intentional tort.There are two basic types of auto insurance systems: "no-fault" and "at fault" (this is normally referred to as tort liability auto insurance). Pennsylvania stands out with its unique choice nofault system. This system provides drivers with two primary options: limited tort or full tort coverage. The state allows injured parties to recover damages as long as they are not more at fault than the other party or parties involved. Pennsylvania law states that full tort coverage gives the injury victim an unrestricted right to seek compensation for injuries from the at-fault driver. Pennsylvania is considered a "nofault" state. Here, each party involved in an accident seeks compensation for lost wages and medical bills. Injury. There must be an actual injury.
