Pennsylvania state law requires all drivers in PA to purchase and maintain an auto insurance policy. By understanding the state requirements and your personal needs, it is possible to find a policy that is right for you.
Required Coverages in Pennsylvania
All PA drivers are required to purchase coverage for:
- Medical benefits
- Bodily injury liability
- Property damage liability
Medical benefit coverage will help pay for medical bills incurred by you or others covered by your policy in the event of an automobile accident, regardless of who was "at fault." The minimum limit for medical benefit coverage in PA is $5,000. Liability car insurance will pay for damages (either to a person or property, including the other driver's vehicle) to which you are liable in the event of an accident. The minimum limit is $15,000 (per person, per accident)/$30,000 (total per accident) for bodily injury and $5,000 (per accident) for property damage liability. Higher limits are also available.
Optional Coverages in Pennsylvania
There are several optional coverages that can be added to an insurance policy to provide additional protection. For example, collision coverage will cover damages to your car as the result of an accident, while comprehensive coverage will cover damages to your car from other incidents (such as vandalism or fire). These coverages have a deductible (usually $500) that you are responsible for paying out of pocket before the covered benefits become payable by the insurance company.
For more information on optional coverages -- and to find out which options are right for you -- you should speak to your insurance agent.
Limited or Full Tort
Full tort gives you the right to sue for pain and suffering (in addition to medical costs) as the result of an automobile accident. Limited tort provides you with a cheaper premium, but you can generally only sue for medical costs.
When you have determined the type and amount of protection you want, an agent at LoCastro Bonini will help you to find the right policy at an affordable price. As an independent agency, we represent multiple companies and can shop the insurance market for you. Contact us for a free quote today!