Full Tort vs Full Coverage Insurance in PA: What’s the Difference?

Full tort and full coverage insurance are two distinct concepts in Pennsylvania’s auto insurance system. While it’s easy to confuse the two, a lack of clarity about your insurance coverage can lead to a rude awakening after a car accident.

Pennsylvania’s choice no-fault car insurance system gives drivers important options that directly affect their rights to compensation following a collision. While full tort insurance preserves your legal rights to pursue all damages including pain and suffering, full coverage refers to a package of protections that may or may not include a full tort selection. Understanding these differences before purchasing a car insurance policy can save you from discovering limitations too late.

Pennsylvania Auto Insurance Options

Pennsylvania operates under a unique insurance framework that combines elements of both fault and no-fault systems. Unlike traditional no-fault states, Pennsylvania offers drivers a choice in how their insurance will function after an accident. […]

Are Electric Vehicles Safe in an Auto Accident? 

Yes, electric vehicles are generally as safe as conventional vehicles in accidents. Research shows EVs have comparable overall safety records, and many models earn top safety ratings. However, they present different safety characteristics that drivers should understand.

Electric vehicles offer promising environmental benefits and innovative technology while presenting unique safety factors that every driver should know about. As EVs become increasingly common on our roads, knowing their specific characteristics could make a critical difference if you’re involved in a car accident. 

The Growing Popularity of Electric Vehicles

The shift toward electric transportation is happening at an impressive pace. In 2023, the U.S. registered 1.4 million EVs—a 40% increase from the previous year. China is projected to manufacture approximately three million EVs by 2024, while the Environmental Protection Agency estimates that by 2032, half of all new passenger vehicles sold will be electric. […]

How to Stay Safe When Driving in a Construction Zone

Construction zones on our roads serve an essential purpose in maintaining and improving our infrastructure, but they also present unique challenges. Every year, hundreds of lives are lost in work zone crashes across the United States, with thousands more suffering injuries.

As more cities and states undertake major infrastructure projects, construction zones have become a regular part of our daily commutes. Whether you’re traveling on local streets or highways, understanding how to drive safely through these areas can help protect both you and the dedicated workers who maintain our roadways.

This comprehensive guide will walk you through everything you need to know about avoiding car crashes in work zones, from recognizing common hazards to handling specific challenges like nighttime driving and sudden traffic pattern changes. Plus, what steps to take if you’re involved in a work zone accident.

If you or a loved one has been injured in a construction zone vehicle accident, […]

What Are the Signs of Shock After a Car Accident?

The force of a car crash can send the body into shock, a serious physical condition that can be life-threatening. While victims of car accidents often experience a state of mental shock, medical shock is something different. Medical shock is a condition that occurs when your body struggles to pump enough blood to your vital organs. Understanding the signs of both physical and emotional shock after a car accident can help ensure you receive the care you need and avoid dangerous complications.

Common Types of Shock Caused By Car Accidents

Shock happens when a lack of blood flow prevents oxygen from getting to your organs, which can lead to permanent damage or death if not treated quickly. There are a few different kinds of shock that can occur as a result of a car accident:

Hypovolemic Shock

In car accidents, […]

Can Parents Be Held Liable for Their Teen’s Car Accident?

When your teenager starts driving, it opens up a new world of independence for them – and a new realm of responsibility for you as a parent. If your teen is involved in a car accident, you could find yourself legally and financially liable for any injuries or property damage they cause.

Parents should understand that teens face higher risk of motor vehicle crashes due to their inexperience and tendency toward distraction. And if your teen does get into a car accident, it can have serious implications for your entire family’s financial future.

Why Teens Pose an Increased Risk for Car Accidents

Statistics consistently show that teenage drivers have higher accident rates than any other age group. In fact, motor vehicle crashes are among the leading causes of death for teenagers aged 16-19. Statistically, the motor vehicle crash death rate for male drivers ages 16–19 years is three times as high as the death rate for female drivers in the same age group. […]