Pennsylvania’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses and lost wages regardless of who is at fault in an accident. This system aims to reduce litigation costs and speed up compensation for minor injuries. However, drivers can choose between “limited tort” and “full tort” options. Limited tort restricts the right to sue for pain and suffering unless the injuries are severe, while full tort allows unrestricted legal action. Understanding these options is crucial for Pennsylvania drivers to ensure adequate protection and legal rights in the event of an accident.