This question can have many answers. If you look at the definition of “full coverage,” you will see that it is the minimum amount of insurance needed to drive in the state of Pennsylvania. This type of coverage gives you almost no protection in an auto accident case. It gives you the right to drive your car in the state of Pennsylvania, but nothing more.
If you have “full coverage” but “limited tort,” you have given up the right to sue for your personal injuries unless it’s serious. If you have “full coverage” but do not have “uninsured motorist coverage,” you have no protection for yourself or your family members.
Example: You are driving your wife and three children to the store and an uninsured driver runs a red light and hits your car and causes serious personal injuries to you and your entire family. If you have “full coverage” but do not have “uninsured motorist coverage,” it is very likely that neither you nor your family will be compensated for their injuries.