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Mandatory and Optional Coverage for Car Insurance in Pennsylvania

The mandatory coverage for car insurance in Pennsylvania are:

•             Bodily Injury Liability: In case you are involved in an accident and someone gets injured then this cover as your fault, you will have to pay for their medical treatment, rehabilitation and any damages if you are found liable. The minimum limit is $15,000 / $30,000. $15,000 will pay one person’s expenses and $30,000 will pay for the total involved in the accident.

•               Medical benefits:  This cover will pay for yours and other’s medical bills irrespective of whose fault it is. The minimum cover is $5,000 although you can increase it.

•             Property damage liability: If you are involved in any accident and due to your fault if someone’s property is damaged this cover will pay for it. The minimum limit is $5,000 of cover.

•             There are few companies which combine property damage liability and bodily injury liability offering a single limit of $35,000.

•             Laws of car insurance in Pennsylvania have provisions for a full tort or limited tort coverage. A limited tort is a good money saving option as the premium is less. It still cover s out of pocket medical and other kinds of expenses however certain damages like those due to pain or suffering cannot be recovered unless the injuries satisfy the exception  of limited tort defined in Act 6 of 1990. In full tort coverage, you can bring unrestricted suit against the negligent party.

Optional coverage includes:

Companies of auto insurance in Pennsylvania offer a number of optional coverage including:

•             Uninsured motorist:  If you are involved in an accident and suffer a bodily injury to yourself, a family member or your passengers because of the fault of an uninsured motorist this cover pays for your medical bills. Damage to property is not covered under this.

•             Underinsured motorist: If you are involved in an accident and suffer a bodily injury to yourself, a family member or your passengers because of the fault of an underinsured motorist this cover pays for your medical bills. Damage to property is not covered under this.

•             Stacking UM or UIM: This allows multiplication of the amount of UM or UIM cover by the number of vehicle you possess or to receive UM or UIM cover from more than one policies.

•             Funeral benefit: Up to a certain amount, this cover provides money for funeral expenses if either you or your family member dies due to the injuries suffered in an accident.

•             Income loss: In case you suffer loss of pay situation due to an accident, this cover pays a portion of your wages.

•             Collision: This cover helps you to pay for the repairs in case your car is involved in an accident. This cover is mandatory for most car loans. In Pennsylvania, insurance companies can apply a minimum deductible of $500 unless you request them for a lower amount.

There are various other types of covers. To know more about this coverage and to get unbelievable quotes from auto insurance companies in Pennsylvania you can simply entre your zip code at the top of this page. Avail this free service today!