Helpful agents are standing by: (484) 652-8332
Press play below to listen to our audio commercial:

What A Great Car Insurance In PA Should Cover

In case that you have caused an accident, your insurance policy is supposed to cover the rehabilitation and medical bills and funeral bills where the situation demands for the people involved in the accident. The policy should also cover suffering and pain as well as the legal costs. The auto insurance in Pennsylvania should cover:

•             $15,000 bodily injury liability per injured person

•             $30,000 bodily injury per accident

•             $5,000 property damage liability coverage, and

•             $5,000 personal injury protection (PIP)

A good insurance policy should pay at least $300,000 per accident and $100,000 per person. Also, the state requires $5000 in case of property damage. It is better to have a policy that pays at least $50,000.

Another very important coverage requirement is the collision and comprehensive coverage. Collision coverage is to pay for the repair for your car or replacement irrespective of whom or what caused the accident. Comprehensive coverage pays for the replacement or repair of your vehicle it is stolen or damaged by a natural event like a storm, etc.

In case of personal injury protection, just make sure the minimum that is asked by the state law which in this case is $5000 as stated by Pennsylvania car insurance.

The medical payment of the insurance policy should cover the cost of medical bills of you and your passenger no matter whose fault it was that caused the accident.

Other types of coverage that you can go for are roadside assistance or rental reimbursement. Roadside assistance cover pays to get your vehicle towed in case of a breakdown or an emergency. Rental reimbursement pays for the rental car for up to 30 days in the case that your car was stolen or is undergoing repairs for damages sustained in an accident.

Depending on your driving history and past experiences, you can choose what all services you want covered by insurance policy in PA. Another consideration is the amount of insurance premium you are willing to pay. You can add and subtract the services provided to make a portfolio that fits into your budget and you are willing to pay for without feeling cheated. Most people do not know services to choose and end up paying for services they don’t require just because the insurers sell it smartly. It is best to know what those services stand for and whether they are necessary.

To get the best quote for the services that you require in your car insurance policy in Pennsylvania, simply enter your zip on the space on top of this page.