When you’ve been driving your car for years and never been involved in a serious accident, it’s not unusual to think that paying high premiums for your auto insurance is an unwarranted and annoying cost. The whole scenario changes when you find yourself at the other end of the spectrum. Auto insurance is worthwhile investment because it is legally required in PA, and when the time comes it will protect you from financial disaster. That being said, having an insurance policy for your vehicle in Pennsylvania does not have to translate to exorbitantly high premiums. So you need to know about the minimum required car insurance in Pennsylvania.
Minimum Required Car Insurance In Pennsylvania
According to the Pennsylvania Department of Insurance:
- Medical Benefits — This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available if you so choose.
- Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
- Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage.
- Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering – unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.
PA insurance companies provide a plethora of options for auto insurance. By doing a little reasearch, you can get a minimum required car insurance in Pennsylvania plan without compromising on the coverage for your car. By making a thorough enquiry and choosing the right auto insurance provider, you can get the minimum required car insurance in Pennsylvania coverage you need. Featured below are some helpful pointers into how you can keep your automobile insurance costs low.
Your credit score can be a crucial factor of of your minimum required car insurance in Pennsylvania policy. Higher credit socres = lower rates. You might not like to hear this – but this the way it is.
Whatever the case – be sure to ask as many questions as you can to your insurance agent. By be an informed consmer and asking the right questions – you can get a good deal for minimum required car insurance in Pennsylvania.