Steevo, By PA law and a judges ruling, pedestrians and at risk users are automatically granted full tort even if their insurance is limited tort if they are involved in an accident while not in a motor vehicle.
While I have full tort for my car, it is not necessary unless you are in your car while in an accident.
You are correct in what the tort does is limit what you can sue for. with limited, you can only sue for actual damages unless it is deemed a severe and life altering injury. Think amputation, paralysis and facial scarring. With full tort you can sue for everything like pain and suffering, etc.
@ejwme: Listen to all the people who are talking about brake problems. It is true. Letting cars sit is not good for them. Even covered. If you are going to store it you should put it in a DRY garage.
I had a truck I only used for road trips and when I needed to haul something and I had to replace all the rotors and calipers on a yearly basis.
If you only start it once a month to keep everything lubed and charged, you should let it run for an hour at least. Starting a car will cause condensation and will rust the exhaust out if you don’t let it get warm enough to dry it out.
PA law does say you need to turn in your plates if you drop insurance, I never have turned in any of my plates. I don’t think they care too much.
I think your insurance rates might go up if you drop insurance and then reinstate it 6 months later. You should look into that. There is something about having continuous coverage.
Bottom line is (in my opinion), Keep the insurance, if your husband drives daily, have him drive the car twice a week to work. It will be much less expensive in the long run.