As a Pennsylvania driver, you should be aware of the Required and Optional Pennsylvania Automobile Insurance Coverages, so you can find the best policy to fit your Pennsylvania Car Insurance needs at the lowest cost.
Required Pennsylvania Automobile Insurance Coverages
- Medical Benefits — This pays medical bills for you and others covered on your Pennsylvania Automobile Insurance policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.
- Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable on your Pennsylvania Auto Insurance policy. You must buy coverage of at least $15,000/$30,000. The $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident on your Pennsylvania Car Insurance policy.
- Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it on your Pennsylvania Car Insurance policy. You must buy at least $5,000 of coverage. Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements for Pennsylvania Auto Insurance.
Other Options under Pennsylvania Auto Insurance Law
- Limited Tort — Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover certain damages such as payments for pain and suffering unless injuries are defined as serious in your Pennsylvania Car Insurance policy.
- Full Tort — With this selection you retain unrestricted rights to bring suit against the negligent party in your Pennsylvania Auto Insurance policy.
- Uninsured Motorist (UM) — This covers bodily injury for you or your family if you are hit by an at-fault uninsured motorist in your Pennsylvania Car Insurance policy.
- Underinsured Motorist (UIM) — This covers bodily injury losses for you or your passengers if you are hit by an at-fault motorist who does not have enough insurance to cover your claim on your Pennsylvania Automobile Insurance policy.
- Stacking of UM or UIM — This coverage allows you to multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy. It costs extra to stack uninsured or underinsured motorist coverage on your Pennsylvania Car Insurance policy.
- Funeral Benefit — Pays up to $2,500 if you or a family member dies as a result of an auto accident on your Pennsylvania Car Insurance policy.
- Income Loss — Pays your wages when injuries sustained in an auto accident keep you from working on your Pennsylvania Car Insurance policy.
- Collision — This benefit pays to repair damage to your car as a result of an accident. Most banks or lenders require you to buy this coverage to receive a car loan. Under Pennsylvania law, the company applies a $500 deductible unless you request a lower amount. The higher your deductible, the lower your premium on your Pennsylvania Car Insurance policy.
- Comprehensive — Generally, this pays for theft or damage to your car from hazards including fire, flood, vandalism or striking an animal. Most banks or lenders require you to buy this coverage to receive a car loan. There are various levels of deductible to purchase on your Pennsylvania Automobile Insurance policy.
- Extraordinary Medical Benefits — This coverage pays when medical and rehabilitation expenses exceed $100,000. It provides a maximum of $1 million of coverage on your Pennsylvania Automobile Insurance policy.
Pennsylvania automobile insurance companies also offer other optional coverages, such as uninsured and underinsured motorists, loss of income, funeral benefits, extraordinary medical benefits, collision and comprehensive car insurance coverages.
Pennsylvania Auto Insurance Sites:
- Pennsylvania Insurance Department Information and resources on a variety of Pennsylvania auto insurance topics: http://www.ins.state.pa.us/ins/site/default.asp
- Pennsylvania's Driver and Vehicle Services Virtual service center for Pennsylvania residents to handle Pennsylvania Auto Insurance and all vehicle and driving needs: http://www.dmv.state.pa.us/
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