PA is apparently kind of weird: https://www.nolo.com/legal-encyclopedia/pennsylvania-no-fault-car-insurance.html https://www.nolo.com/legal-encyclopedia/pennsyl

PA is apparently kind of weird: https://www.nolo.com/legal-encyclopedia/pennsylvania-no-fault-car-insurance.html https://www.nolo.com/legal-encyclopedia/pennsylvania-no-faul... Also, "No Fault" doesn't cover vehicle damage. Apparently, this is what I was remembering. It changed when I lived in Pennsylvania (that was quite a while ago).