Full coverage insurance is different from what most people have in mind. They tend to assume full coverage means that in case an accident occurs, you won’t have to pay a cent. There are things you need to know in order to get the right coverage that works for you. The term can be misleading for anyone shopping for the perfect car insurance policy. What exactly is it full coverage car insurance in Pennsylvania? Full coverage basically refers to a combination of comprehensive and insurance coverage. Depending on your agent, it can also include liability insurance.
Full Coverage Car Insurance In Pennsylvania
Essentially, the collision and comprehensive coverage take car of most of the possible potemtial damage to your vehicle. Collision insurance covers damage to your vehicle in case of an accident. Comprehensive insurance covers non-accident issues – such as weather damage, hitting a deer, fire, vandalism and even theft. All these come under the umbrella of full coverage car insurance in Pennsylvania. If you crash into a car, the insurance pays for repair. If your car gets vandalized, you’ll be covered. If a tree branch falls on your car and breaks your windscreen, the full coverage car insurance protects you.
Property liability damage is purchased separately from full coverage car insurance in Pennsylvania. It’s the insurance you’ll need in case your accidents results in damage to a person’s vehicle personal property. For instance, you might crash into their car or skid off an icy road and ram into the side of a person’s house. Liability insurance generally covers for the cost of bodily injury andmedical bills arising from the resulting injuries. Personal injury protection also comes separately. With this one, your medical bills and those of your passengers will be paid. It doesn’t matter who caused the accident.
So full coverage car insurance in Pennsylvania covers the actual car and things that can happen to it. However, this does not include mechanical breakdowns, engine repair, or replacement of worn out parts. The full coverage car insurance Pennsylvania agent can direct you on how you can add the other insurance types to the package.
How Much Coverage Do You Need?
The minimum requirements for Pennsylvania auto insurance are extremely low when compared to those in other states. Pennsylvania drivers are required to carry coverage with at least the following limits:
- $15,000 bodily injury liability limit per person
- $30,000 bodily injury liability limit per incident
- $5,000 limit for property damage liability – this covers damages to the other person’s vehicle when the accident is your fault
- $5,000 medical benefits. Since Pennsylvania is a no-fault state, your insurer will help with the initial medical costs regardless of who caused the accident
The collision and comprehensive coverage are not required by PA law. But that does not mean you don’t need them. The full coverage car insurance in Pennsylvania provides a good amount of protection in terms of fixing your car if it is damaged. In addition, a lending institutions or leasing companies usually require the coverage. You can, and should, select higher limits than the ones mandated by the law. Most people do that. For example, the common Pennsylvania coverage for body injury liability is $100,000 per person, and $300,000 per accident. Most of Pennsylvania enjoys relatively cheap state full car coverage insurance rates, with the larger cities like Philadelphia and Pittsburgh being much higher. That’s because urban areas, have greater population densities, more theft and also heavier traffic.
How Your Vehicle Effects Your Auto Insurance
The fair market value of your car will be used to determine your insurance premiums. That’s because the price of the car affects the cost of replacement in case it’s stolen or totalled. The cost of parts and labor when making repairs will also affect the premiums. Sometimes there may also be surcharges for vehicles that are frequently get involved in accidents or stolen. You can get information on theft rates, injury claims and collision repair costs for your specific vehicle model from the Highway Loss Data Institute (HLDI). Going by data from HLDI, large vehicles -like sport-utility vehicles and pickup trucks – have the lowest injury claims. The highest injury claims are from smaller 2 and 4 door vehicles. Collision costs are highest with small cars and sports cars.
Full coverage car insurance Pennsylvania companies also base their rates on their experiences. For instance, if they have less theft and collision claims for a certain vehicle model, they will charge less for the coverage.
In order to determine what full coverage car insurance in Pennsylvania will work best for you, take a look at your vehicle, your own personal needs, and your budget. Talk to your full coverage car insurance in Pennsylvania agent and get a policy that comprehensively covers you, and gives you peace of