Car insurance is basically a contract between the driver and insurance company which protects drivers in the event of an accident, of different levels of financial loss. With that said, in the state of Pennsylvania, there are minimum car insurance Pennsylvania requirements in place for all licensed drivers. So, what exactly are those car insurance Pennsylvania requirements for licensed drivers? This is a breakdown of what any licensed driver in the state is required to hold, if they are legally driving in the state.
Car Insurance Pennsylvania Requirements
Required Coverage in PA:
When purchasing private auto coverage in the state, there are set minimum car insurance Pennsylvania requirements in place for all drivers. Other forms of coverage are optional, and afford drivers a little more protection in the event there is damage in excess to the minimum amounts which are in place. The minimum car insurance Pennsylvania requirements in the state are as follows:
- Medical Benefits Coverage;
This will pay for medical bills and expenses for the insured driver, as well as any other passengers or individuals who are in the vehicle, and are covered by the policy. Regardless of who is at fault, this is going to cover a certain amount of medical expenses. The minimum amount required in the state is $5,000, but drivers can choose to purchase higher coverage limits, for a premium cost.
- Bodily Injury Coverage
If you are involved in an accident, this form of coverage is going to pay for the medical expenses, rehab, and any physical therapies, for those you injure who are in the other vehicle, at the time of the accident. It will cover any amount which you are found liable for, based on who is at fault in the accident. The car insurance Pennsylvania requirements for this coverage are $15,000/ $30,000. The $15,000 amount will pay for injuries to one person, and the $30,000 represents the total amount of coverage you have, for any single accident in question.
- Property Damage
If you are at fault in the accident, and do damage someone else’s property, this is the coverage which is going to pay to repair the items which are damaged at the time of the accident. The car insurance Pennsylvania requirements for this type of coverage are at least $5,000. Again, like medical and bodily injury coverage, drivers can opt to purchase a higher amount of coverage for property damage in the state as well.
- Limited or Full Tort
You have the choice of full or limited tort coverage in the state of Pennsylvania. When you choose limited, you do receive a savings premium on your coverage and you can still recover medical, property, and other out of pocket expenses related to the accident in question. With limited, you can’t recover on certain types of damages (pain and suffering or emotional distress are a few examples), unless the injuries meet an exception which is in place. With full coverage, you do retain you have the unrestricted right to bring a tort lawsuit against the party who was at fault, for any and all types of damages which you wish to recover on following an accident.
In addition to these car insurance Pennsylvania requirements, there are further forms of coverage you can purchase as a PA driver. These include:
- Uninsured motorist in the event the other driver isn’t covered.
- Underinsured motorist, for those who don’t have high enough minimums in place.
- Funeral benefits in the event you leave behind family members if death occurs in an accident.
- Income loss if you can’t work for a period of time.
- Collision coverage which will cover the amount needed to pay for your car’s repair if you are at fault.
These, are among the additional optional coverage options you can choose from, as an insured driver in the state of Pennsylvania.
Whether you have been driving for a few months after getting your license, or several years, it is a state requirement that all drivers have auto insurance in place. When choosing a policy and insurer, make sure you get quotes for the minimum car insurance Pennsylvania requirements, as well as optional coverage options, not only to find the highest level of coverage, but also to save on your policy options, and optional coverage on your vehicle.