T-Bone Accident in Pennsylvania: Fault, Laws, and What to Do (2026)

# T-Bone Accident in Pennsylvania: What You Need to Know

> **KEY FACTS:**
> – Fault depends on who had the **right of way**
> – Your **tort choice** affects recovery for pain/suffering
> – T-bone injuries often qualify as **”serious”** under Limited Tort
> – File AA-600 within **5 days**
> – First-party benefits: $5K medical regardless of fault

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## Fault in PA T-Bone Collisions

Right of way determines fault — running lights, failure to yield, entering against the signal. PA’s 51% bar applies to liability claims.

### Tort Choice and T-Bone Claims

**Good news for Limited Tort holders:** T-bone injuries are frequently severe enough to meet the “serious injury” threshold (fractures, permanent impairment, disfigurement). Unlike whiplash from rear-end collisions, T-bone injuries more commonly qualify for pain/suffering claims.

**Full Tort holders:** Can pursue pain/suffering from any T-bone injury regardless of severity.

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## What to Do

1. Check for injuries, call 911 — T-bone injuries are often severe
2. File **AA-600** within **5 days**
3. File first-party benefits ($5K medical)
4. Document the intersection — signals, cameras, witnesses
5. Seek immediate medical attention

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## Common T-Bone Injuries

Head/brain injuries, broken ribs/pelvis, spinal injuries, internal organ damage. Most of these qualify as “serious injury” under Limited Tort.

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## Related Guides

– [What to Do After a Car Accident in Pennsylvania](/pennsylvania/car-accident-guide/)
– [Pennsylvania Car Accident Laws](/pennsylvania/car-accident-laws/)

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**DISCLAIMER:** This website is not a law firm and does not provide legal advice. This page provides general educational information only. Always consult a licensed attorney in your state for advice specific to your situation. This is not medical advice. If you have been injured, seek immediate medical attention. Last updated: March 2026.