Pennsylvania Workers’ Comp Weekly Benefit Calculator
2026 rate year — for injuries on or after January 1, 2026
Use your gross weekly pay before taxes — and include overtime, bonuses, tips, and any second job you held when injured.
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Limited Tort vs. Full Tort: Do You Have the Right to Full Compensation?
If you chose "limited tort" on your Pennsylvania auto policy, you may still qualify for full compensation — including pain and suffering. Answer a few questions to find out. No personal information required.
Limited tort rules come from Pennsylvania law. Accidents in other states follow different rules.
Check your declarations page, or think back to when you bought the policy. If no valid selection was ever signed, Pennsylvania law defaults you to full tort.
This includes accepting ARD (Accelerated Rehabilitative Disposition) for driving under the influence.
Look at their license plate — an out-of-state registration is one of the exceptions that restores full tort rights.
Select all that apply, then continue. A "serious injury" can restore full tort rights even when no other exception applies.
This checker covers Pennsylvania accidents only
Limited tort and full tort are Pennsylvania insurance concepts. If your accident happened in another state, different rules decide what you can recover — but you may still have a strong claim.
Talk through your accident with an attorney — free
We'll tell you which state's law applies and what your claim may be worth.
You have full tort rights
With full tort coverage, you can pursue all damages from the at-fault driver — medical bills, lost wages, out-of-pocket costs, and pain and suffering — regardless of how serious your injuries are.
Don't let the insurance company undervalue your claim
Full tort rights only matter if you use them. A free case review tells you what your claim is actually worth.
You likely qualify for full tort rights — even with limited tort
Pennsylvania law (75 Pa.C.S. § 1705) lists specific situations where a limited tort election does not apply. Based on your answers, at least one applies to you:
Why your limited tort election may not limit you
That means you may be able to recover pain and suffering damages just as if you had chosen full tort. Insurance companies rarely volunteer this — they count on limited tort policyholders not knowing the exceptions.
Confirm your exception with a free case review
We'll verify the exception, deal with the insurance company, and you pay nothing unless we win.
Your injuries may qualify as a "serious injury" — restoring full tort rights
Even with limited tort, Pennsylvania law lets you recover pain and suffering if you suffered a serious injury — meaning death, serious impairment of a body function, or permanent serious disfigurement.
Injuries you reported that may qualify
Whether an injury clears the "serious injury" threshold is decided case by case, based on your medical records and how the injury affects your life. This is exactly the kind of question insurance companies use to deny limited tort claims — and exactly where an attorney changes the outcome.
Get your injuries evaluated — free
We'll review your medical records and tell you honestly whether the serious injury exception applies. No fee unless we win.
No exception is obvious from your answers — but don't stop here
Based on what you told us, your limited tort election appears to apply. You can still recover economic damages — medical bills, lost wages, and out-of-pocket costs — but pain and suffering may be off the table.
Limited tort cases turn on details most people can't verify on their own: the other driver's insurance status, their driving record, and how your injuries are documented. Attorneys can pull these records. Many "limited tort" claims turn into full tort claims after investigation.
Let us check for an exception — free
A short call is all it takes to find out whether an exception applies to your case. No fee unless we win.
This tool provides general information based only on your answers. It is not legal advice, does not account for every fact of your situation, and does not create an attorney–client relationship. Deadlines (statutes of limitations) apply to injury claims — speak with an attorney promptly to protect your rights.
