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Driver Agent

Location:
East Lampeter Township, PA, 17601
Posted:
October 28, 2022

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Resume:

Private Passenger Auto Application - PA

Application to:

Erie Insurance Exchange

*** **** ********* ***** ****, PA 16530

www.erieinsurance.com

PA0024-E 09/21 Page 1 of 17

The Applicant applies for insurance and represents the following to be true. Origin Date: 06/2022

Applicant

TAMMY SWEET

Applicant Address

45 KELLER AVE

LANCASTER PA 17601-4031

County

Lancaster

Mailing Address

45 KELLER AVE

LANCASTER PA 17601-4031

Phone

Mobile 717-***-****

ads77g@r.postjobfree.com

Policy Period:

12:01 A.M. Standard Time

06/08/2022 until 06/08/2023

Policy Number:

Q06-0817795

Agent Phone/Website

AA1986

COMMUNITY INSURANCE SERVICES INC

717-***-****

Fax 717-***-****

http://www.communitysure.com

ads77g@r.postjobfree.com

Applicant Employer

Employer Address

Applicant Time at

Present Address

3 Years or More

Vehicle Information Vehicle Rating Information

Vehicle 1 VIN Rate Class Annual miles Type Ter Performance 2000 HYUN TIBURON KMHJG35F8YU178768 A2AL 8,501 or greater PP 01V Standard Cost New Purchase Date Days to Work Miles to Work Use Lay-up Duration 5 6 - 10 miles Work

Are all vehicles principally garaged at the Applicant s address? Yes Are all vehicles solely titled to (or leased to) a Named Insured? Yes Does any driver or member of the household use a vehicle(s) for one of the following activities? No

(i.e. Delivery, Sales, Service, Transporting Goods/Equipment, Transporting People) Are there additional vehicles owned by a Named Insured which are not insured at this time, or are insured elsewhere? No Does the applicant have any other Commercial, Life or Personal policies written or submitted with ERIE? No Driver Information

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 2 of 17

Driver 1 Birth Date Status Gender Age License Date License St TAMMY SWEET 1963 Single Female 59 11/1979 PA Relation Primary Driver of Vehicle Part-time Driver of Vehicle Insured 1

How long has driver been licensed in PA? 1 Year or More Driver(s) Questions

Warning: An incorrect answer, intentional or not, to any information below may jeopardize the acceptance of this application. A. Has any driver or member of the household had any of the following occur regarding their auto insurance in the past 3 years? No

(Driver excluded on Policy; Insurance cancelled; Insurance expired; Insurance refused; Vehicle without insurance) B. Has any driver or member of the household been arrested in the last 10 years? No C. Has any driver or member of the household of driving age had any physical or mental impairment, disability, or other medical condition that may affect the driver s ability to operate a motor vehicle safely (e.g., heart, insulin controlled diabetes, epilepsy, prescription controlled pain treatments, hearing/sight/limb loss)? No D. Has any driver or member of the household had an accident, claim, loss, moving violation or driver license suspension/ revocation in the last 5* years? No

*For underwriting purposes regarding acceptance of this application and for the application of a Defensive Driving Plan surcharge, only 3 years of history will be applicable. For rating purposes, 5 years of history may be applicable. Driver(s) History

Name Report Report Date Status / Type Loss Date Loss Amount Disputed Drivers License # Household CLUE 06/08/2022 Clear

Claim Report Information

Name Report Date Incident Date Incident Loss Amount Household 06/08/2022 Clear $0.00

Details

Current/Prior Insurance Carrier Information

Current Insurance Carrier: No Prior Carrier

Current Bodily Injury Limits: No Current Bodily Injury Limits RATE PROTECTION ENDORSEMENT APPLIES

Discounts that may apply: Vehicle

Claims/Violation Free Discount 1

Over 55 Discount 1

Passive Restraint Discount - Driver & Passenger Airbags 1 Coverages/Limits of Protection/Premiums

Coverages and limits applied for are as follows, only where premium is shown: The Limited Tort Option applies to all private passenger vehicles. ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 3 of 17

Vehicle (premium in $)

1

Liability Protection

Bodily Injury $50,000 per person/

$100,000 per accident 142.00

Property Damage $50,000 per accident 305.00

First Party Benefits

Medical Expense $5,000 68.00

Uninsured Motorists

Bodily Injury $25,000 per person/

$50,000 per accident-Unstacked 18.00

Underinsured Motorists

Bodily Injury $25,000 per person/

$50,000 per accident-Unstacked 65.00

Annual Premium per Vehicle $ 598.00

Total Annual Policy Premium $598.00

Payment $0.00

Balance $598.00

Payment Plan* 9 Month

*Any installment charges that apply under the payment plan selected are paid to Erie Indemnity Company. The laws of the Commonwealth of Pennsylvania, as enacted by the General Assembly, only require that you purchase liability and first- party medical benefit coverages. Any additional coverages or coverages in excess of the limits required by law are provided only at your request as enhancements to basic coverages.

Below are annual premiums for the minimum required coverages and limits for limited tort. Please note that the limited tort option may not be available on certain vehicles.

Minimum Required Coverages Minimum Premium per Vehicle Coverages Limits of Protection Veh 1

Bodily Injury Liability $15,000 - $30,000 90.00

Property Damage Liability $5,000 274.00

First Party Medical Expenses $5,000 68.00

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 4 of 17

I certify that I have:

Read to the Applicant all of the questions as they are printed on this application.

Included all answers as given by the Applicant.

Determined the risk is acceptable.

Agent Signature: Date: SUBSCRIBER’S AGREEMENT

The Subscriber ("you" or "your") agrees with the other Subscribers at ERIE INSURANCE EXCHANGE ("ERIE"), a Reciprocal/Inter-Insurance Exchange, and with their Attorney-in-Fact, the Erie Indemnity Company ("we" or "us"), a Pennsylvania corporation with its Home Office in Erie, Pennsylvania, to the following: 1. You agree to pay your policy premiums and to exchange with other ERIE Subscribers policies providing insurance for any insured loss as stated in those policies.

2. You appoint us as Attorney-in-Fact with the power to: a) exchange policies with other ERIE Subscribers; b) take any action necessary for the exchange of such policies; c) issue, change, nonrenew or cancel policies; d) obtain reinsurance; e) collect premiums; f) invest and reinvest funds; g) receive notices and proofs of loss; h) appear for, compromise, prosecute, defend, adjust and settle losses and claims under your policies; i) accept service of process on behalf of ERIE as insurer; and j) manage and conduct the business and affairs of ERIE, its affiliates and subsidiaries. This power of attorney is limited to the purposes described in this Agreement.

3. You agree that as compensation for us: a) becoming and acting as Attorney-in-Fact; b) managing the business and affairs of ERIE; and c) paying general administrative expenses, including sales commissions, salaries and employee benefits, taxes, rent, depreciation, supplies and data processing, we may retain up to 25% of all premiums written or assumed by ERIE. The rest of the premiums will be used for losses, loss adjustment expenses, investment expenses, damages, legal expenses, court costs, taxes, assessments, licenses, fees, and any other governmental fines and charges, establishment of reserves and surplus, and reinsurance, and may be used for dividends and other purposes we decide are to the advantage of Subscribers. 4. You agree that this Agreement, including the power of attorney, shall have application to all insurance policies for which you apply at ERIE, including changes in any of your coverages. 5. You agree to sign and deliver to us all papers required to carry out this Agreement. 6. This Agreement, including the power of attorney, shall not be affected by your subsequent disability or incapacity. 7. This Agreement is and shall be binding upon you, us, and all executors, administrators, successors and assigns.

(Subscriber’s Agreement language updated 1996.)

X Subscriber s Signature: Date: Print Subscriber s Name: Policy No. (if available): ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 5 of 17

FIRST PARTY BENEFITS WAIVER

Pennsylvania Act 6 of 1990 changes the extent of the First Party Benefits required to be purchased by the owner of a motor vehicle. By signing this form in the appropriate places, I am eliminating the First Party Benefits coverages so indicated for all vehicles on my policy. I knowingly and voluntarily select the choices indicated below and understand that my premiums will be reduced. Income Loss Benefits

X Eliminate the Income Loss Benefits Coverage from my policy. X First Named Insureds Signature: Date: Funeral Benefits

X Eliminate the Funeral Benefits Coverage from my policy. X First Named Insureds Signature: Date: ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 6 of 17

NOTICE TO NAMED INSUREDS

A. "Limited Tort" Option - The laws of the Commonwealth of Pennsylvania give you the right to choose a form of insurance that limits your right, and the right of members of your household to seek financial compensation for injuries caused by other drivers. Under this form of insurance, you and other household members covered under this policy may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other nonmonetary damages unless the injuries suffered fall within the definition of "serious injury" as set forth in the policy, or unless one of several other exceptions noted in the policy applies. The annual premium for basic coverage as required by law under this "limited tort" option is $432.00 Additional coverages under this option are available at an additional cost. B. If you wish to choose the "limited tort" option described in paragraph A, you must sign this notice where indicated below and return it. If you do not sign and return this notice, you will be considered to have chosen the "full tort" coverage as described in paragraph C and you will be charged the "full tort" premium.

I wish to choose the "limited tort" option described in paragraph A: X Signature Line I. Named Insured Date

C. "Full Tort" Option - The laws of the Commonwealth of Pennsylvania also give you the right to choose a form of insurance under which you maintain an unrestricted right for you and the members of your household to seek financial compensation for injuries caused by other drivers. Under this form of insurance, you and other household members covered under this policy may seek recovery for all medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering and other nonmonetary damages as a result of injuries caused by other drivers. The annual premium for basic coverage as required by law under this "full tort" option is $537.00

Additional coverages under this option are available at an additional cost. D. If you wish to choose the "full tort" option described in paragraph C, you may sign this notice where indicated below and return it. However, if you do not sign and return this notice, you will be considered to have chosen the "full tort" coverage as described in paragraph C and you will be charged the "full tort" premium. I wish to choose the "full tort" option described in paragraph C: Signature Line II. Named Insured Date

E. You may contact your insurance agent, broker or company to discuss the cost of other coverages. ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 7 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

REQUEST FOR LOWER LIMITS OF UNINSURED MOTORIST COVERAGE By signing this form, I am requesting for myself and members of my household uninsured motorist coverage in an amount less than the limits of my bodily injury liability coverage. I am knowingly and voluntarily rejecting uninsured motorist coverage in an amount equal to my bodily injury liability limits. Rather, I am requesting the following amount of uninsured motorist coverage.

$25,000.00 Each Person $50,000.00 Each Accident - Each Accident (Combined Single Limit) X Signature of First Named Insured Date

PA0024-E 09/21 Page 8 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

UNINSURED COVERAGE LIMITS

By signing this waiver, I am rejecting stacked limits of uninsured motorist coverage under the policy for myself and members of my household under which the limits of coverage available would be the sum of limits for each motor vehicle insured under the policy. Instead, the limits of coverage that I am purchasing shall be reduced to the limits stated in the policy. I knowingly and voluntarily reject the stacked limits of coverage. I understand that my premiums will be reduced if I reject this coverage. X Signature of First Named Insured Date

PA0024-E 09/21 Page 9 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

REQUEST FOR LOWER LIMITS OF UNDERINSURED MOTORIST COVERAGE By signing this form, I am requesting for myself and members of my household underinsured motorist coverage in an amount less than the limits of my bodily injury liability coverage. I am knowingly and voluntarily rejecting underinsured motorist coverage in an amount equal to my bodily injury liability limits. Rather, I am requesting the following amount of underinsured motorist coverage.

$25,000.00 Each Person $50,000.00 Each Accident - Each Accident (Combined Single Limit) X Signature of First Named Insured Date

PA0024-E 09/21 Page 10 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

UNDERINSURED COVERAGE LIMITS

By signing this waiver, I am rejecting stacked limits of underinsured motorist coverage under the policy for myself and members of my household under which the limits of coverage available would be the sum of limits for each motor vehicle insured under the policy. Instead, the limits of coverage that I am purchasing shall be reduced to the limits stated in the policy. I knowingly and voluntarily reject the stacked limits of coverage. I understand that my premiums will be reduced if I reject this coverage. X Signature of First Named Insured Date

PA0024-E 09/21 Page 11 of 17

NOTICE OF AVAILABLE BENEFITS AND LIMITS:

IMPORTANT NOTICE

Insurance companies operating in the Commonwealth of Pennsylvania are required by law to make available for purchase the following benefits for you, your spouse or other relatives or minors in your custody or in the custody of your relatives, residing in your household, occupants of your motor vehicle or persons struck by your motor vehicle.

(1) Medical Benefits, up to at least $100,000.

(1.1) Extraordinary Medical Benefits, from $100,000 to $1,100,000, which may be offered in increments of $100,000.

(2) Income Loss Benefits, up to at least $2,500 per month up to a maximum benefit of at least $50,000.

(3) Accidental Death Benefits, up to at least $25,000.

(4) Funeral Benefits, $2,500.

(5) As an alternative to paragraphs (1), (2), (3) and (4), a Combination Benefit, up to at least $177,500 of benefits in the aggregate or benefits payable up to three years from the date of the accident, whichever occurs first, subject to a limit on Accidental Death Benefit of up to $25,000 and a limit on Funeral Benefit of $2,500 provided that nothing contained in this subsection shall be construed to limit, reduce, modify, or change the provisions of Section 1715(d) (relating to availability of adequate limits).

(6) Uninsured, Underinsured and Bodily Injury Liability coverage up to at least $100,000 because of injury to one person in any one accident and up to at least $300,000 because of injury to two or more persons in any one accident or, at the option of the insurer, up to at least $300,000 in a single limit for these coverages, except for policies issued under the Assigned Risk Plan. Also, at least $5,000 for damage to property of others in any one accident. Additionally, insurers may offer higher benefit levels than those enumerated above as well as additional benefits. However, an insured may elect to purchase lower benefit levels than those enumerated above. YOUR SIGNATURE ON THIS NOTICE OR YOUR PAYMENT OF ANY RENEWAL PREMIUM EVIDENCES YOUR ACTUAL KNOWLEDGE AND UNDERSTANDING OF THE AVAILABILITY OF THESE BENEFITS AND LIMITS AS WELL AS THE BENEFITS AND LIMITS YOU HAVE SELECTED.

If you have any questions or you do not understand all of the various options available to you, contact your agent or company.

If you do not understand any of the provisions contained in this notice, contact your agent or company before you sign. X Applicant s Signature: Policy Effective Date: Date: ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 12 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 13 of 17

NOTICE OF INSURANCE INFORMATION PRACTICES:

As part of our procedure for processing your insurance application, personal information such as a credit report, prior insurance claims report, and/or motor vehicle record may be obtained concerning you and other individuals proposed for coverage. We may, in connection with this application for insurance, review your credit report or obtain or use a credit based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score.

No information from our files will be given to anyone without your written consent, except as allowed by law in order to conduct our business.

You have the right to know the kind of information we have in your file, to have access to that information, and to request correction of information you believe is inaccurate.

We will provide a more detailed description of our information practices, if you so request. APPLICANT(S) PLEASE READ:

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

APPLICANT TO ERIE INSURANCE EXCHANGE SIGN HERE:

I certify that I have given true and complete answers to the questions in this application. I also certify that I have been offered alternative coverage limits and those listed on this application reflect my choices. I have been given notice of the Limited Tort and Full Tort Options with premium information and the NOTICE OF INSURANCE INFORMATION PRACTICES.

Subscriber: In witness whereof the Subscriber hereto sets his hand and seal: X Subscriber: Date: ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 14 of 17

Discounts are available if your auto is equipped with Passive Restraints or Anti-theft Devices. A discount may also be available for drivers who are age 55 or over and have successfully completed a driver improvement course. Ask your Agent for details on these and other discounts offered by ERIE.

ERIE’S DEFENSIVE DRIVER PLAN (DDP) - SURCHARGES

ERIE s plan is designed so that drivers who have had accidents or violations pay higher rates than those who have not had accidents or violations. Following is an explanation of ERIE s surcharge plan which is referred to as the Defensive Driver Plan (DDP). Surcharges will be applied for a maximum of three years. Incidents which may be subject to ERIE s Defensive Driver Plan include at fault accidents, moving traffic violations, license suspensions and financial responsibility filings. A surcharge is associated with the driver involved in the accident/violation. When two or more autos are insured, the surcharge will be applied to the auto, or its replacement which is principally operated by that driver. For occasional, young drivers, the surcharge will be applied to the auto which is rated for the young driver. Surcharges are assigned based on accidents/violations which have occurred within 36 months of the effective date of the application, or during the 36 months ending prior to the processing of the renewal. If a surcharge is not applied at the first renewal following an accident/violation, ERIE reserves the right to apply a full surcharge at a subsequent renewal. When more than one surcharge applies, increases are additive. Surcharges apply to Liability, First Party Benefits (except Funeral and Medical) and Collision Coverages. VIOLATIONS -- Points are assigned for violations which resulted in a conviction. A surcharge for violations will not be applied until a minimum of two surcharge points is accumulated. The Class Factor is increased as follows: New Business

2-3 points (most recent 2-3 years ago) .10

2-3 points (most recent 1-2 years ago) .20

New and Renewal Business

2-3 points (most recent last year) .30

4-5 points (in last 3 years) .60

6-7 points (in last 3 years) .90*

*.30 applies for each additional two points.

Points are assigned as follows:

One Point:

Speeding

Reckless & Improper Driving

Permitting Unlicensed Operator to Drive

Improper Passing

Any Other Moving Violation

License suspension for failure to "stop for school bus with flashing red lights" or "comply with crossing gate or barrier" Two Points:

License Suspension (other than listed above) or Financial Responsibility Filing due to point accumulation or moving traffic violation Four Points:

Hit-and-run or leaving the scene of an accident. A violation for leaving the scene of an accident involving property damage only will not be surchargeable unless an additional violation has occurred within the experience period. Then, four points will be assigned to the combination of violations.

Driving under the influence of alcohol/drugs Drag racing on a public highway

Driving under suspension

Attempting to evade arrest in an auto Assault with an auto

Misdemeanor/felony involving an auto

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 15 of 17

ERIE Agent Applicant Policy No.

COMMUNITY INSURANCE SERVICES

INC

TAMMY SWEET Q06-0817795

717-***-****

http://www.communitysure.com

PA0024-E 09/21 Page 16 of 17

Suspensions from the following violations will not generate additional surcharge points over the initial violation/accident:

Driving too fast for conditions in conjunction with an accident in an active work zone

Exceeding the maximum speed limit in an active work zone

Driving 26 miles per hour or more over the posted speed limit for a person under age 18 ACCIDENTS - A surcharge applies if an at-fault accident resulted in (excluding claims adjustment expenses): New Business - payments in excess of $1,800.

Renewal Business - combined total Liability and Collision payments costing The ERIE more than $1,800. If a deductible is waived for an accident involving two autos insured by The ERIE, or under the diminishing deductible feature, a surcharge will not be applied until damages are in excess of amount indicated above, plus the deductible amount being waived. The Class Factor is increased for the driver involved in the accident as follows: New and Renewal Business

1st 0-2 years ago .30

1st 2-3 years ago .10

2nd 0-3 years ago .70*

*1.50 applies for each additional accident during the review period. A surcharge will not apply for an accident subject to ERIE s Feature Fifteen or First Accident Forgiveness plans. Class Factor Increases will not apply if any of the following apply:

The driver was not at fault. In a two auto accident, a Surcharge Class Factor Increase will not be assigned unless the driver was 50% or more at fault. In an accident involving more than two autos, a Surcharge Class Factor Increase will not be assigned unless the driver was substantially at fault for the accident.

The owner or operator has been reimbursed for the accident or has obtained a judgment against another driver.

The auto was unoccupied and lawfully parked.

The auto was struck from the rear by another vehicle and the Applicant or driver was not convicted of a moving violation.

While being driven, the auto was struck by a hit-and-run driver and a report was made to the police within 24 hours.

The driver of the other auto was convicted of a moving violation and the Applicant or driver was not.

Payments made involved only payment under First Party Benefits or Comprehensive coverage.

The auto was driven in response to an emergency call by paid or volunteer law enforcement, fire department or first aid personnel.

The responsible driver is deceased, excluded from coverage or no longer drives the auto. If a policy is cancelled and rewritten, any surcharge will be transferred to the rewritten policy. If a driver is transferred from one policy to another, within the same company, surchargeable accidents or violations for that driver will be transferred. When autos are transferred from one policy to another, or added to a policy, surcharges apply if new drivers will be driving and these drivers are the surcharged drivers. When one auto on a two car policy is cancelled, the surcharge amount and points transfer to the remaining auto. If more than two autos are on a policy, the surcharge amount and points transfer to the auto principally operated by the driver who incurred the surcharge. For occasional young drivers, the surcharge amount and points transfer to the auto rated for the young driver. NOTICE OF TORT OPTIONS:

The laws of the Commonwealth of Pennsylvania give you the right to choose either of the following two tort options. If you wish to change the tort option that applies to your policy, please contact your ERIE Agent.

"Limited Tort" Option -- This form of insurance limits your rights and the rights of the members of your household to seek financial compensation for injuries caused by other drivers. Under this form of insurance, you and other household members covered under this policy may seek recovery for all medical and other out-of-pocket expenses but not for pain and suffering or other nonmonetary damages unless the injuries suffered fall within the definition of "serious injury" or unless one of several other exceptions noted below applies.

"Serious injury" means a personal injury resulting in death, serious impairment of bodily function or permanent, serious disfigurement. Each person who elects the limited tort alternative remains eligible to seek compensation for economic loss sustained in a motor vehicle accident as a consequence of the fault of another person pursuant to applicable tort law. Unless the injury sustained is a serious injury, each person who is bound by the limited tort election shall be precluded from maintaining an action for any noneconomic loss, except that an individual otherwise bound by the limited tort election: 1. who sustains damages in a motor vehicle accident as a consequence of the fault of another person may recover damages as if the individual damaged had elected the full tort alternative whenever the person at fault: a. is convicted or accepts Accelerated Rehabilitative Disposition (ARD) for driving under the influence of alcohol or a controlled substance in that accident;

b. is operating a motor vehicle registered in another state; c. intends to injure himself or another person, provided that an individual does not intentionally injure himself or another person merely because his act or failure to act is intentional or done with his realization that it creates a grave risk of causing injury or the act or omission causing the injury is for the purpose of averting bodily harm to himself or another person; or d. has not maintained financial responsibility as required by the Pennsylvania Motor Vehicle Financial Responsibility Law 2. shall retain full tort rights with respect to claims against a person in the business of designing, manufacturing, repairing, servicing or otherwise maintaining motor vehicles arising out of a defect in such motor vehicle which is caused by or not corrected by an act or omission in the course of such business, other than a defect in a motor vehicle which is operated by such business. 3. shall retain full tort rights if injured while an occupant of a motor vehicle other than a private passenger motor vehicle.

"Full Tort" Option -- This form of insurance allows you to maintain an unrestricted right for yourself and other members of your household to seek financial compensation for injuries caused by other drivers. Under this form of insurance, you and other household members covered under this



Contact this candidate