In Pennsylvania, Does My Limited Tort Option on My Car Insurance Apply if I Was Hit as a Pedestrian?

In the Commonwealth of Pennsylania, if you were hit by a car while a pedestrian, your tort option selection on your auto insurance does not apply. You are considered full tort for purposes of this accident. In Pennsylvania, the law is that as a pedestrian, your "tort" option selection on your car insurance should not apply. It is considered an exception to limited tort.
You are therefore permitted to pursue a claim for bodily injury (pain and suffering) and do not have to meet the limited tort threshold ("serious injury" which is defined as "serious impairment of body function"). The at-fault insurance company can't use "limited tort" as an excuse to refuse to pay or otherwise deny your claim.

The Pennsylvania legislature created the tort selection requirements for the apparent purpose that it was a way to contain costs arising from insurance in the use of a motor vehicle. So, the court cases reviewing this issue where a pedestrian is hit by a car have reasoned that if you are walking, you obviously aren't using your motor vehicle.

Therefore, the purpose for limited tort as stated by the legislature (containing costs associated with operating your motor vehicle) is irrelevant. So, by saying this is an "exception", it means that you are not stuck with having to meet the limited tort standard (which requires proof of a "serious injury" before you can receive any compensation for your injuries). You will still be required to prove that the driver of the car was at-fault.