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Familiarizing Customer Rights on Car Insurance in Pennsylvania

There are 8.3 million drivers in Pennsylvania but only a few of them know their consumer rights, they use a lot of money to purchase their insurance policies and pay a lot of monthly premiums but most of them don’t get their money’s worth since most of them feel that they don’t get the services that they deserve. The bad thing is that most of them do not know what they are liable to or the procedures to follow to file a claim or get compensation. Each auto insurance broker has different terms and conditions that guide the type of protection being offered but the state have stipulated customer rights that each customer should be aware of. Some of them include:

PennsylvaniaAutoInsurance* Full or Limited tort coverage – Full tort policyholders are eligible for full compensation for any medical or extra expenses incurred in the event of an accident regardless of who was at fault. The policyholder also has the right to sue for pain, suffering and other damages caused by the accident. Similar to full tort coverage, limited tort cover policyholders are eligible to get full compensation in terms of medical or any other expenses in the event of an accident. The only difference is that these policyholders do not have the right to sue for pain, suffering, or any non-monetary damages.

One important thing that motorists should keep in mind is that limited tort coverage automatically expand to full tort protection in case they are injured as a result of repair, maintenance or manufacturing defect or when injured as passengers travelling in a commercial or non-private vehicle.

* Additional coverage requirements – Pennsylvania drivers are required to maintain medical expense coverage of a minimum of $5,000. This protects and takes care of the drivers’ and passengers medical expenses regardless of who was at fault.

* Uninsured and Underinsured Motorist Coverage – This coverage is meant to protect policy holders from motorists at fault with no insurance or not enough insurance cover to take care of their medical bills. Drivers have the right to reject these insurance covers by signing a waiver, failure to sign the rejection form and returning them on time will automatically qualify drivers to these covers. Although signing a waiver will help you save more cash monthly, you are exposing yourself to dangers of not being compensated when involved in an accident with a motorist with less or no insurance cover.

* Exclusions – Pennsylvania auto insurance policy holders have the right to choose the drivers that want to insure, they are mandated to insure all the registered drivers in their household.

Familiarize customer rights on auto insurance in Pennsylvania and the different terms offered by several insurance brokers even in your local area. The good thing is that you will get this information for free and regularly by entering your zip code on top of this website.