 |
Pennsylvania Auto InsuranceLiability CoveragePennsylvania auto insurance is mandatory in order to operate a motor vehicle in that state. You are required to have a minimum amount of liability coverage which protects all drivers financially. If you are found at fault for an auto accident, you are liable for all damages you cause to other parties. Liability coverage protects you from these damages.
Liability coverage is broken into bodily injury liability, which covers medical expenses and injuries and property damage liability. Remember this only covers third parties, and for your property (car) to be covered, you need comprehensive and collision coverage . The minimum amount of bodily injury liability coverage is $15,000 per person and $30,000 per accident. The minimum amount of property damage insurance is $5,000. It is recommended to increase this amount in order to have full protection. Any damages over your liability amount will be your responsibility to pay, so insuring you have enough liability to cover the worst case scenario is important! Increasing this liability will increase your premiums, but to determine how much the coverage you select would cost, get an online Pennsylvania auto insurance quote . This will compare all companies in Pennsylvania and return he cheapest prices. PIP InsurancePIP insurance (Personal Injury Protection) is also required. This coverage covers all your injuries when you are at fault for an auto accident. This is why Pennsylvania is known as a no-fault state, because regardless of fault, everyone’s injuries are covered.Two ChoicesRecently in order to try and help lower insurance rates, Pennsylvania introduced a choice of coverage’s. Drivers could either select as full tort system or a limited tort system. A full tort system has a higher premium, but you can file a claim and potential lawsuit for any injury that is suffered. The limited tort option, drivers can only collect a limited amount, only if the injuries are deemed serious.Return From Pennsylvania Auto Insurance to Minimum Coverages
|
