Pennsylvania Car Insurance
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Park Pennsylvania Auto Insurance
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As a Pennsylvania driver, you should be aware of the Required and Optional
Park Pennsylvania Automobile Insurance Coverages, so you can find the best policy to
fit your Park 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 Park 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
Park Pennsylvania Car Insurance policy.
- Property Damage Liability If you damage someones property in an
accident and you are at fault, this coverage pays for it on your Park 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 Park Pennsylvania Auto Insurance.
Other Options under Park 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 Park Pennsylvania Car
Insurance policy.
- Full Tort With this selection you retain unrestricted rights to bring suit
against the negligent party in your Park 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 Park 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 Park 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 Park 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 Park 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 Park 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
Park 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.
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