Pennsylvania car accident leads
Summit Leads supplies car accident leads in Pennsylvania and the other U.S. states by real-time ping/post, exclusive by default, with ZIP code filters. Each Pennsylvania policyholder picks limited or full tort, and the Insurance Department guide (rev. October 2016) explains that limited tort restricts recovery for pain and suffering.
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Pennsylvania facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Choice no-fault: each policyholder elects limited tort or full tort (PA Insurance Department guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Default tort option | Full tort if limited tort is not specially elected (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Medical benefits minimum | $5,000, paid regardless of fault (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Minimum bodily injury liability | $15,000 per person and $30,000 per accident (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Minimum property damage liability | $5,000 (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Uninsured and underinsured motorist coverage | Optional coverages (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Extraordinary medical benefits | Optional; pays medical and rehabilitation expenses above $100,000, up to $1.1 million (guide, rev. October 2016)Auto Insurance Guide (rev. October 2016) Pennsylvania Insurance Department |
| Traffic fatalities | 1,211 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Injury crashes | 48,346 reportable injury crashes in 2023 (PennDOT Crash Facts and Statistics)2023 Pennsylvania Crash Facts and Statistics Pennsylvania Department of Transportation |
| Lawyer advertising and referral rules | Pa. RPC 7.1, 7.2 and 7.3 in 204 Pa. Code Chapter 81 (Rule 7.3 last amended October 15, 2024)204 Pa. Code Chapter 81, Rules of Professional Conduct (Information About Legal Services, Rules 7.1 to 7.3) Pennsylvania Code and Bulletin (Legislative Reference Bureau) |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Limited tort, full tort and first-party medical benefits
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The tort election is the Pennsylvania-specific fact on a car accident lead. The Pennsylvania Insurance Department Auto Insurance Guide (rev. October 2016) says limited tort offers premium savings, but the policyholder cannot recover certain damages, such as payments for pain and suffering, unless the injuries meet one of the exceptions in the law. Full tort keeps unrestricted rights, and a policyholder who never specially elects limited tort is deemed to have full tort.
Medical bills are paid first from the claimant's own policy. The same guide (rev. October 2016) lists medical benefits as a required coverage that pays medical bills for the policyholder and others covered by the policy regardless of fault, with a minimum limit of $5,000. Extraordinary medical benefits, an optional coverage, pay medical and rehabilitation expenses that exceed $100,000, up to a maximum limit of $1.1 million.
Uninsured and underinsured motorist coverage appear in the guide's list of optional coverages, not the required ones. A lead that records the claimant's tort option and whether they carry uninsured or underinsured motorist coverage answers two of the first questions a Pennsylvania firm asks.
Pennsylvania minimum liability coverage
Pennsylvania drivers must maintain financial responsibility, and the Insurance Department guide (rev. October 2016) gives the minimums: bodily injury liability of $15,000 for injuries to one person and $30,000 total for one accident, and property damage liability of $5,000. It adds that some companies offer a $35,000 combined single limit that meets both minimums.
With minimums this low, the other driver's policy limit and the claimant's own underinsured motorist coverage often decide how much a case can recover, so buyers ask for both insurers where the claimant knows them.
Pennsylvania fatal and injury crashes, 2023
The NHTSA FARS state table counts 1,211 people killed in Pennsylvania motor vehicle traffic crashes in 2023, the latest year treated as final on this page. Those are deaths only; FARS does not count the injury crashes behind most leads.
PennDOT does. Its 2023 Pennsylvania Crash Facts and Statistics counts 48,346 injury crashes among the reportable crashes police filed that year, next to 1,132 fatal crashes.
Pennsylvania Rules of Professional Conduct on lawyer marketing
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Pennsylvania Rules of Professional Conduct are published in Chapter 81 of Title 204 of the Pennsylvania Code. Under the heading Information About Legal Services, three rules are in force (7.4 and 7.5 are reserved):
- Rule 7.1, Communications Concerning a Lawyer's Services.
- Rule 7.2, Communications Concerning a Lawyer's Services: Specific Rules.
- Rule 7.3, Solicitation of Clients (last amended October 15, 2024).
Rule 7.2(b) bars a lawyer from giving "anything of value to a person for recommending the lawyer's services," except for listed items such as the reasonable costs of permitted advertising and the usual charges of a lawyer referral service. Rule 7.3 covers live person-to-person solicitation. This page reports the rule text only and does not say how it applies to any lead program.
What buyers in Pennsylvania filter on
Pennsylvania buyers write their intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary around the tort election and coverage facts above:
- Tort option on the claimant's policy: limited or full, or unknown.
- Injury and treatment: relevant to the exceptions that apply under limited tort.
- Insurance on both sides: the other driver's liability policy and the claimant's underinsured motorist coverage.
- Accident date and fault answers: how recent the crash is and who caused it.
- Representation status: filters out claimants who are already represented.
- ZIP code: sets the counties and ZIP codes each buyer receives.
Where buyers filter in Pennsylvania
Pennsylvania splits between two large metro areas at opposite ends of the state. Philadelphia's and Allentown's metro areas reach into neighboring states, so their figures cover the whole metro area. Below are the six largest metro areas with a Pennsylvania core in the Census Bureau's July 1, 2025 estimates; buyers can add any Pennsylvania ZIP code, in or out of these areas.
- Philadelphia-Camden-Wilmington: 6,329,118 (July 1, 2025 estimate, whole metro area)
- Pittsburgh: 2,421,992 (July 1, 2025 estimate)
- Allentown-Bethlehem-Easton: 887,615 (July 1, 2025 estimate, whole metro area)
- Harrisburg-Carlisle: 617,427 (July 1, 2025 estimate)
- Scranton-Wilkes-Barre: 574,418 (July 1, 2025 estimate)
- Lancaster: 563,159 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Pennsylvania car accident leads
Every Pennsylvania car accident lead includes its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. For Pennsylvania's state telemarketing rules, see its row in the state telemarketing laws table; the combined MVA and home improvement page for the state is leads in Pennsylvania.
Pennsylvania car accident lead questions
What medical benefits does every Pennsylvania auto policy include?
The Pennsylvania Insurance Department guide (rev. October 2016) lists medical benefits as required coverage, paying regardless of fault, with a minimum limit of $5,000.
What are the lowest liability limits a Pennsylvania driver can carry?
The Insurance Department guide (rev. October 2016) lists $15,000 per person and $30,000 per accident for bodily injury and $5,000 for property damage.
Where are Pennsylvania's lawyer advertising rules published?
In 204 Pa. Code Chapter 81: Rule 7.1 and Rule 7.2 on communications about a lawyer's services, and Rule 7.3 on solicitation of clients. This is general information, not legal advice.
Can a buyer take Pennsylvania car accident leads in the Pittsburgh area only?
Yes. Filters work at the ZIP code level, so a buyer can take western Pennsylvania ZIP codes and skip the Philadelphia area. Leads are exclusive by default, and shared delivery is available on request.
Request Pennsylvania car accident leads
Email us the Pennsylvania ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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