Yes and no. Pennsylvania is both. The state requires all drivers to have personal injury protection (PIP) insurance. This will cover your medical costs. However, if another driver causes serious injury, then you may be able to pursue a claim from their insurance company. There are two types of insurance coverage: limited tort and full tort. How much you can sue for will depend on which type of insurance the other party has. Lauren has extensive experience with insurance issues and can give you a clearer idea of what to expect in a free consultation.