The Pennsylvania Assigned Risk Plan is a program that provides auto insurance to those who cannot get coverage. All insurance companies that offer auto insurance in the Commonwealth are required to participate in the plan. If you meet all three of the above exceptions, you can sue the at-fault driver for medical, economic and pain and suffering losses, despite having a limited liability right in Pennsylvania on your car insurance policy. To ensure that damage in car accidents is covered, Pennsylvania state law requires all motorists to purchase car insurance.
In other words, your insurer will have to pay your medical care and bills in the event of a car accident, regardless of whether you caused it or not. A minimum car insurance policy in this state is slightly different from that in other states; Pennsylvania is one of 12 states that have adopted no-fault auto insurance, which requires insurers to pay the medical expenses of their own insured drivers, regardless of who is at fault for the accident.