PLPennsylvaniamedium
Which best describes Pennsylvania's auto insurance system under Act 6?
Choice no-fault — mandatory PIP plus consumer choice between Limited and Full Tort
BPure tort — no PIP, fault determines all recovery
CPure no-fault — tort suits are completely barred regardless of injury severity or tortfeasor conduct
DAdd-on no-fault — PIP is optional and tort rights are unrestricted
Why this is the answer
Under Act 6, every PA private passenger auto policy must include first-party PIP medical benefits ($5,000 minimum) AND the named insured must choose between Limited Tort and Full Tort. This makes PA a 'choice' no-fault state, distinct from pure tort or pure no-fault systems.
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