As a PA resident I always thought of it as spending more if you want the lottery ticket. Obviously if you never get into an accident you'll be much richer with

As a PA resident I always thought of it as spending more if you want the lottery ticket. Obviously if you never get into an accident you'll be much richer with lower-priced limited tort, but you can pay extra if you want to bet that you'll be in an accident and will be in that group that might get some money. I know all insurance is gambling, and it's definitely a personal decision.