Pennsylvania Car Insurance
Auto insurance is the law in Pennsylvania. Pennsylvania drivers are required by law to carry bodily injury liability, property damage liability, and First Party coverage. The minimum bodily injury liability coverage in Pennsylvania is $15,000 for one person, $30,000 for all parties in an accident. Pennsylvania requires drivers carry a minimum of $5,000 of minimum coverage for property damage liability. This minimum coverage level may be more simply stated as 15/30/5.
In Pennsylvania, all driers are required to have a minimum of $5,000 in First Party coverage. First Party coverage is no fault insurance that pays for medical expenses for the driver and any of their passengers in an accident. First Party coverage is known as Personal Injury Protection in other states. First Party coverage is primary for medical expenses following an accident. Once the coverage limits have been used up, the insured may be able to have additional medical bills paid for by their health insurer.
Uninsured/Underinsured Motorist (“UIM”) coverage is an optional type of coverage in Pennsylvania. However, it is a very important type of coverage. UIM pays damages in the event the driver at fault for an accident is uninsured or does not have enough insurance to pay for the damages sustained by the other driver(s) or passengers.
For example, if a driver in an accident in Pennsylvania had 15/30 UIM coverage, they would be able make a UIM claim with their auto insurance company for bodily injury damages above and beyond $15,000. Also, with these UIM limits, per the policy, the insurance company would only pay up to $30,000 for all UIM bodily injury claims stemming from the accident. Pennsylvania drivers can also UIM property damage coverage.
Collision and Comprehensive Coverage
Other important available insurance coverage types in Pennsylvania include Collision and Comprehensive coverage. These coverage types are not required by law but can be very important in the event of an accident. Also, many financial institutions require vehicle owners to purchase collision and comprehensive coverage as a condition of their loan.
Collision and coverage are both no fault coverage. Collision pays for vehicle repairs or vehicle replacement value following an accident. Comprehensive coverage pays for all vehicle repair damage or replacement value for incidents other than a collision such as damage from a tornado or the car being stolen. There are minimum deductible limits for these collision and comprehensive such as $500. To get lower premiums, Pennsylvania drivers can also raise their deductible amounts.
Purchase Higher Coverage Limits
Pennsylvania’s required coverage amounts are rather low amounts in light of the damage that can be caused in a car accident. Pennsylvania drivers would be well advised to purchase optional higher coverage amounts. They should further never allow their auto insurance policies to lapse. Each day, thousands of Pennsylvania drivers are involved in car accidents. Uninsured drivers in Pennsylvania pay fines and may be forced to comply with state financial responsibility laws.
Uninsured or underinsured drivers can also be held personally responsible for all damages caused in an accident. A car accident can cause hundreds of thousands of dollars in damages. Driving without car insurance in Pennsylvania is fiscally irresponsible and can be financially and personally devastating.
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