Exclusive Pennsylvania Car Accident Leads, Screened to the Tort Election
In Pennsylvania, the lead is not the case — the tort election is. Every PA auto accident lead we deliver is screened for full tort or limited tort status, the six statutory exceptions, available coverage, and county venue before it reaches your intake desk. Philadelphia through Erie.
Exclusive Delivery TCPA & HIPAA Compliant Real-Time Delivery All 67 PA Counties
The Industry's Best Quality Guarantee
Exclusive Pennsylvania Car, Truck & Motorcycle Accident Leads, Matched to Your Ideal Client Profile
In Pennsylvania, the same crash can produce two completely different files depending on one checkbox: whether the claimant elected full tort or limited tort under 75 Pa.C.S. §1705. That election, the 51% modified comparative fault bar and the venue across the state's 67 counties decide which Pennsylvania claimants fit your firm.
Over the last 15 years, we've refined our MVA lead generation process to deliver Pennsylvania law firms highly qualified, ready-to-intake claimants - screened on the full tort / limited tort election before they reach you. If a lead doesn't match your criteria, we replace it free.
Every campaign is delivered the way your intake team actually works - as web leads, live transfers, or fully signed MVA retainers - so Pennsylvania car, truck and motorcycle accident cases arrive ready for the stage of your funnel that needs them.
How claimants get qualified
Delivery Options
Three Ways to Receive Your Pennsylvania MVA Leads
Every firm's intake capacity is different. Choose the stage where you want Pennsylvania car, truck and motorcycle accident cases to land - or mix delivery types across Philadelphia, Pittsburgh, Allentown and Erie as your docket grows.
Option 01
Exclusive Web Leads
Pre-screened Pennsylvania motor vehicle accident claimants delivered in real time and exclusive to your firm - ready for your intake team.
Intake handled by usPre-Screened
Screened on the full tort / limited tort election - plus your custom criteria
Pushed straight into your case management system
Exclusive - never shared with competing firms
Best for: firms with an in-house intake team that want volume and full control of the conversation.
Seven Screens Every Pennsylvania Lead Clears Before Delivery
Six of these are verifiable against objective evidence — a police report, a citation, a registration plate, a declarations page — not the claimant's recollection.
01
Tort election, confirmed and documented 75 Pa.C.S. § 1705
Full tort or limited tort, captured from the claimant's own policy where obtainable and flagged as unconfirmed where not. When a claimant reports limited tort, the file doesn't stop there — it routes straight to exception screening. And when the claimant can't recall electing anything at all, we note it, because the insurer bears the burden of producing a signed election form and cannot always do it.
02
Statutory exception screening § 1705(d)
Six exceptions restore full tort rights to a limited tort claimant. Every limited tort lead is run against all six before it is discounted or discarded. Sorting throws away the exceptions; screening finds them.
03
Liability posture against the 51% bar 42 Pa.C.S. § 7102
Pennsylvania is modified comparative — a claimant 51% or more at fault recovers nothing. We capture crash mechanism, citations issued, and whether the claimant was driver, passenger, pedestrian, or cyclist. Passenger and pedestrian files get flagged: under Spencer v. Johnson, a claimant with no plausible comparative fault sits outside the Fair Share Act's proportionate-share protection, and joint and several liability is still live against a minority-fault defendant.
04
Coverage architecture, both sides § 1738
Pennsylvania's mandatory floor is 15/30/5 with $5,000 in first-party medical benefits — among the lowest in the country. In a serious PA crash the tortfeasor's liability policy routinely cannot carry the file, so we screen the claimant's side: UM and UIM limits, how many household vehicles are on the policy, and whether stacking was waived in the specific signed writing the statute requires.
05
Statute of limitations runway 42 Pa.C.S. § 5524
Two years from the date of the crash, with tolling for minors. Every lead carries the crash date and the time remaining. A lead at twenty-two months is a different product than a lead at six days, and you should know which one you're buying before you buy it.
06
Venue, captured on both axes
County of the crash and county of the defendant's residence. A file headed for the Philadelphia Court of Common Pleas and an identical file in a rural county are not the same asset, and pretending otherwise is how vendors overcharge for one and undercharge for the other.
07
Representation status and consent
Not currently represented, confirmed at the point of contact. Express written consent captured with timestamp, IP address, source URL, and the form language exactly as it was served. The claimant's own narrative is retained unedited.
Why this isn't guesswork. Tort election screening sounds subjective until you look at what actually triggers the exceptions: a DUI conviction, an out-of-state plate, a vehicle class, a pedestrian on foot. Those are checklist items, not judgment calls. The only screen that genuinely requires medical review is Pennsylvania's own serious injury standard at § 1702 — and we label those files rather than guessing on your behalf.
Limited Tort ≠ Dead Lead
The Six Exceptions That Restore Full Tort Rights
There's a lazy version of tort screening: ask whether the claimant has full tort, discard everyone who says limited, sell the rest at a premium. It sounds rigorous. It destroys value.
Exception 01
Serious injury under § 1702
Death, serious impairment of a body function, or permanent serious disfigurement. Courts read "serious impairment" as requiring proof the injury substantially affects the ability to lead a normal life — a fact question, not a diagnosis code.
Verified by: medical records & functional impact review
Exception 02
At-fault driver convicted of DUI or accepts ARD
A limited tort claimant struck by a driver who blew a 0.14 and accepted Accelerated Rehabilitative Disposition has full tort rights. The election is simply overridden.
Verified by: citation & criminal docket
Exception 03
At-fault vehicle registered out of state
A New Jersey, Ohio, New York, or Maryland plate on the at-fault vehicle restores full tort rights. On Pennsylvania's interstate corridors this exception fires far more often than most intake desks realize.
Verified by: plate state on the police report
Exception 04
At-fault driver uninsured
If the tortfeasor carried no coverage, limited tort no longer bars non-economic recovery against them — and the claim usually shifts onto the claimant's own UM coverage, which is where we've already screened.
Verified by: coverage check at intake
Exception 05
Not a private passenger vehicle
§ 1705(d)(3) defines a private passenger vehicle as four-wheeled. Motorcycle riders and their passengers were never inside the limited tort bar. Commercial vehicles fall outside it too.
Verified by: vehicle class on the report
Exception 06
Pedestrians and bicyclists
Someone struck while crossing the street or riding a bike is not bound by limited tort regardless of what they elected on their own auto policy. With PA bicyclist fatalities up sharply in 2025, this category is growing.
Verified by: claimant status at time of crash
Every limited tort lead reaches you in one of three labeled conditions
Exception Confirmed
An objectively verifiable exception applies. Full tort rights are restored and the file is priced as a full tort lead.
Threshold Candidate
Reported injuries and treatment plausibly reach § 1702. The file needs your medical review — we won't make that call for you.
Economic Damages Only
Neither applies. Priced accordingly, or not sold to you at all if your firm only wants signable non-economic files.
PennDOT 2025 Data — Released April 2026
Fewer Crashes. Harder Cases.
Read the newest PennDOT release as a road-safety official and it's a milestone year. Read it as a case buyer and the picture inverts.
Down in 2025
Total traffic deaths1,047from 1,127 — lowest since 1928
Fatal crashes979from 1,060 — record low
Impaired-driver fatalities258from 342 — record low
Unbelted fatalities259from 311
Lane-departure fatalities492from 537
Up in 2025
Aggressive-driving fatalities+31%since 2020
Bicyclist fatalities28from 19 in a single year
Distracted-driver fatalities54from 49
Teen-driver fatalitiesUpPennDOT flagged increase
Drivers aged 65–74UpPennDOT flagged increase
What this means for acquisition
Total reportable crashes came in at 109,515 — the second-lowest figure ever recorded in Pennsylvania, behind only the pandemic year of 2020. Crash volume is flat to declining, which means inquiry supply in this state is not growing.
At the same time, the categories that rose are the severe ones. Fewer total crashes, a rising share of them catastrophic. That is a market where buying volume gets progressively worse and buying selection gets progressively better — and where the cost of a bad screen goes up, because you're paying more per inquiry to reach a shrinking pool. Firms still running a cheap-shared-leads-and-a-big-dialer strategy are optimizing for a Pennsylvania that stopped existing around 2021.
Source: Pennsylvania Department of Transportation, 2025 crash statistics, released April 2026.
Where the Recoverable Dollars Actually Sit
Pennsylvania's 15/30/5 Floor Is the Lowest Ceiling in the Northeast
In any serious Pennsylvania crash, the at-fault driver's liability policy often can't carry the file. The real question is what the claimant's own coverage stack looks like.
Mandatory Minimum vs. Real Case Value
Bodily injury liabilityper person / per accident15/30
Property damageper accident$5K
First-party medical benefitsrequired on every PA policy$5K
UM / UIM coveragestacked by default under § 1738× vehicles
Pennsylvania's floor has stayed at 15/30/5 while California moved to 30/60/15, Massachusetts to 25/50/30, Virginia to 30/60/20, and Utah to 30/65/25. Nationally, the Insurance Research Council found one in three drivers — 33.4% — uninsured or underinsured in 2023, a ten-point jump since 2017. In a state with limits this low, it's the underinsured share that bites.
The Exclusion Trilogy — Current Law
Pa. Supreme Court — 2019
Gallagher v. GEICO
Household vehicle exclusion held void where it operates as a de facto waiver of stacking the insured actually paid for. Opened the door to stacked UIM recovery across household policies.
Pa. Supreme Court — Feb. 2023
Erie Ins. Exchange v. Mione
Unanimous. Gallagher restricted to its unique facts. The household exclusion is enforceable where there's no UM/UIM on the accident vehicle — because there's nothing to stack.
Pa. Supreme Court — Jan. 2024
Rush v. Erie Ins. Exchange
Regular use exclusions upheld as consistent with the MVFRL, reversing the Superior Court. A meaningful narrowing of the post-Gallagher position.
Still Live — Sept. 2025
Class action vs. Progressive
A Philadelphia firm filed a putative class action alleging insurers are recasting household exclusions as "regular use" exclusions to sidestep Gallagher. Coverage architecture is contested law right now — which is exactly why screening the household policy picture at intake has real dollar value.
Where the recoverable dollars actually sit. With a 15/30/5 floor, the tortfeasor's liability policy frequently cannot carry a serious Pennsylvania file — the claimant's own stacked UM/UIM coverage usually can.
What we actually ask. UM and UIM limits on the claimant's policy. How many vehicles are insured in the household. Whether stacking was waived — and whether the carrier can produce the signed waiver the statute requires. Whether any household member carries a separate policy. In a state where the tortfeasor is frequently carrying $15,000, those four questions decide whether the file is a claim or a case.
Documentation Is Now a Litigation Issue
Audit-Ready Leads
In September 2025, Uber filed a civil RICO complaint in the Eastern District of Pennsylvania against a Philadelphia personal injury firm and a network of medical providers. The 66-page complaint alleges a scheme to fabricate and inflate medical documentation, converting minor collisions into million-dollar claims. The firm moved to dismiss that December, calling the suit a business tactic meant to deter litigation against Uber and its drivers, and argued in April 2026 that the litigation privilege shields it. Uber has signaled it will amend.
It is one of at least four such suits Uber has filed against plaintiff firms across New York, Florida, California and Pennsylvania — all rooted in the fact that rideshare carriers must hold higher policy limits.
We take no position on the merits. What matters commercially is that a well-funded defendant is now attacking the provenance of auto claim documentation in Philadelphia federal court — and that changes what a purchased lead file needs to look like. We do not edit claimant narratives. We do not embellish injury descriptions to make a file look more valuable. A lead that reads thin reads thin, and it's priced that way.
Uber Technologies, Inc. v. Simon & Simon, P.C. — No. 2:25-cv-05365, E.D. Pa.
Lead File ManifestEvery Delivery
✓Source URL and the exact ad or landing pageCaptured
✓Form as it was served to the claimantSnapshot
✓Express written consent, timestampedTCPA
✓Originating IP addressLogged
✓Full call recording where phone-originatedRetained
✓Claimant narrative — uneditedVerbatim
✓Tort election status and confirmation source§ 1705
✓Exception screening result, all six§ 1705(d)
✓Crash date and remaining SOL runway§ 5524
✓Coverage screen and county venueBoth axes
If a file in your inventory is ever questioned, you can produce its origin without reconstructing it.
Wrong State?
Every State Kills Cases Differently
We build one screening program per state, around the specific rule that decides whether a file is a case there. Here is what each one screens for.
Pennsylvania You Are Here
The full tort / limited tort election under § 1705, plus the six statutory exceptions that restore full tort rights.
Buying across several states? Say so on the call. The screening criteria differ enough that a single blended order tends to underperform — we would rather quote them separately and let you compare cost per signed case state by state. Signed retainers are available in every market through our MVA retainer program.
Statewide Coverage
Popular Pennsylvania MVA Locations
County-level availability changes weekly because exclusivity is real. Check current openings before you plan a budget around a market — Philadelphia and Allegheny close fastest.
Southeastern Pennsylvania
Philadelphia · Delaware · Montgomery · Bucks · Chester
Philadelphia, Upper Darby, Norristown, Chester, Levittown, Bensalem, King of Prussia, Drexel Hill, West Chester, Pottstown, Media, Doylestown
Western Pennsylvania
Allegheny · Westmoreland · Washington · Butler · Beaver
Pittsburgh, Bethel Park, Monroeville, McKeesport, New Castle, Johnstown, Washington, Butler, Uniontown, Greensburg
Lehigh Valley & Northeast
Lehigh · Northampton · Luzerne · Lackawanna · Monroe
Harrisburg, Lancaster, York, Reading, Lebanon, Carlisle, State College, Hanover, Chambersburg
Northwest & Northern Tier
Erie · Crawford · Blair · Lycoming · Centre
Erie, Altoona, Williamsport, Meadville, Bradford, DuBois, Warren, Oil City
Interstate Corridors
Flagged separately on delivery
I-76 (Schuylkill Expressway & PA Turnpike), I-95, I-476 (Blue Route & NE Extension), I-78, I-81, I-83, I-79 — the highest-yield source of out-of-state-plate tort exceptions in the Commonwealth
Operating since 2009, we've built processes that treat every potential claimant fairly and protect their privacy. We maintain full compliance with TCPA, HIPAA, ABA, and applicable federal and state statutes.
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Decades of Experience
Get Your Pennsylvania MVA Leads From a Partner Who Knows the Statute
Any vendor can sell you Pennsylvania volume. Very few can tell you what § 1705 does to a file before they invoice you for it. If you're looking for a marketing partner that delivers leads you can build into real cases, count on the one that has provided more than 60,000 across areas of practice for nearly 20 years.
Tell us your counties, your case types, and your monthly capacity. We'll come back with current openings, tiered pricing, and a sample lead file with the full screening record attached — so you can see exactly what you're buying before you buy it.
Prefer to talk it through? Bring your current cost per signed case to the call and we'll tell you honestly whether we can beat it.
✓ Screened to PA Law — Tort Election, Coverage, Venue
✓ All Six § 1705 Exceptions Checked on Every File
✓ Free Replacement if a Lead Doesn't Match Your Criteria
✓ 60,000+ Leads Delivered Since 2009
✓ Exclusive — Leads Are Never Resold or Recycled
✓ TCPA, HIPAA & ABA Compliant
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Real-Time Leads
Instant updates so you never miss an opportunity.
Qualified Cases
Every lead pre-screened to Pennsylvania law before delivery.
Venue-Tiered
Priced by county, from Philadelphia through Erie.
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Your data and leads are always protected.
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FAQ
Frequently Asked Questions
Everything your firm needs to know before launching a Pennsylvania MVA campaign with Injury Case Claims.
Cost depends on how the lead is delivered - exclusive web lead, live transfer or signed retainer - along with the counties you target and how deep the screening goes. We quote against your exact criteria and run the cost-per-signed-case math with you before you buy. Pennsylvania should be priced by county rather than as one flat statewide rate, because a Philadelphia County file and a rural county file don't carry the same settlement posture.
Under 75 Pa.C.S. § 1705, a claimant who elected limited tort can't recover non-economic damages unless the injury meets the serious injury threshold at § 1702 or a statutory exception applies. Non-economic damages are where the contingency fee sits, so the election decides whether a case exists at all. Pennsylvania is one of a small number of states with this election — which is exactly why national vendors' fifty-state intake scripts never ask about it.
All three restrict non-economic damages, but not by the same mechanism — and the difference decides how you screen. New York applies a fixed statutory threshold under Insurance Law § 5102(d): there's no election to make, every claimant faces the same test, and qualifying is a medical-evidence question. Pennsylvania is a choice state, so the claimant already made a binding election at the time of purchase under 75 Pa.C.S. § 1705 — that policy decision is the first gate, before anyone looks at a medical record. New Jersey is also a choice state, through the "limitation on lawsuit" verbal threshold at N.J.S.A. 39:6A-8, similar in shape to Pennsylvania but a different statute with a different set of exceptions. If your firm buys across state lines, don't run one blended intake script across all three.
Frequently. Six statutory exceptions restore full tort rights: a serious injury under § 1702; a DUI conviction or ARD acceptance by the at-fault driver; an at-fault vehicle registered out of state; an uninsured at-fault driver; occupancy of a vehicle that isn't a four-wheeled private passenger vehicle, which places motorcyclists outside the bar entirely; and pedestrian or bicyclist status, which overrides the claimant's own election. We screen every limited tort lead against all six and label the result before delivery.
Two years from the date of the crash under 42 Pa.C.S. § 5524, with tolling for minors. Every lead we deliver carries the crash date and the remaining runway, so your intake team knows what it's looking at before the call.
No — and you'll find sources online that get this wrong. Pennsylvania is modified comparative under 42 Pa.C.S. § 7102 with a 51% bar: a plaintiff 51% or more at fault recovers nothing, and below that damages reduce proportionally. The defendant bears the burden of establishing comparative negligence and proximate cause.
Because of the Fair Share Act and Spencer v. Johnson. The Act generally limits a defendant found less than 60% liable to its proportionate share, but Spencer held it applies only where the plaintiff's own comparative negligence is actually at issue. A claimant with no plausible fault — a passenger, a struck pedestrian — can therefore still reach joint and several liability against a minority-fault defendant. That changes recovery posture materially, and the market does not price it in.
Pennsylvania's mandatory floor is 15/30/5 plus $5,000 in first-party medical benefits — among the lowest in the country, and unchanged while California, Massachusetts, Virginia and Utah all raised theirs. In a serious crash the at-fault driver's liability limits often can't carry the file, which pushes real value into the claimant's own UM and UIM coverage. We screen UM/UIM limits, household vehicle count, and whether stacking was waived in writing under 75 Pa.C.S. § 1738.
Exclusive. Each lead is delivered to one law firm and never resold, re-routed, tiered, or recycled into aged inventory later. Shared leads look cheaper per unit, but at a 2–5% conversion rate they cost more per signed case than an exclusive lead converting at 10–15%.
Fast. Contact and conversion rates are strongest inside the first five to fifteen minutes, fall sharply after thirty, and are largely academic after twenty-four hours. If your firm can't hold that standard, live transfers or signed retainers are the better product than real-time web leads — and we'll tell you so before you order.
Attorneys in most jurisdictions may pay the usual charges of a lead generation service, subject to the rules governing recommendations, fee sharing with non-lawyers, and advertising. Pennsylvania's Rules of Professional Conduct govern this and the analysis depends on how the arrangement is structured. We're not your ethics counsel, and you should confirm any arrangement against the current Rules and applicable Disciplinary Board guidance. We structure engagements as flat per-lead or per-retainer purchases with no fee participation and no recommendation of any firm.
No — and be cautious of anyone marketing MVA leads with mass-tort language. Motor vehicle accident claims are individual negligence actions filed in county courts of common pleas, not a consolidated mass tort. The absence of an MDL is precisely why Pennsylvania-specific statutory screening matters more in this vertical than in any national mass-tort program.
