PA HB1931

Creates a private right of action allowing individuals, businesses, and associations to sue fossil fuel companies for damages of at least $10,000 resulting from climate disasters or extreme weather events attributable to climate change

Targets "responsible parties" defined as entities that emitted at least 1 billion metric tons of CO2 equivalent through fossil fuel products during the "covered period" from 1965 to the act's effective date, excluding public utilities and government entities

Imposes strict liability and joint and several liability on defendants, with a 3-year statute of limitations and awards including compensatory, noneconomic, and punitive damages for property loss, medical costs, and pain and suffering

Prohibits mandatory arbitration, venue transfer without consent, and government intervention in private lawsuits; bars courts from awarding attorney fees to defendants except for plaintiff counsel misconduct

Allows insurance payments and full public recovery as offsets to damages, with affirmative defenses limited to intentional property destruction or gross negligence by the harmed party