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Auto Insurance

Minimum Car Insurance Requirements in Pennsylvania

In order to comply with the law in the state, you must have a minimum amount of auto insurance. You will need to have $30,000 for bodily injury liability coverage and $5,000 for property damage liability. You also need to have $30,000 per accident for uninsured motorist coverage and underinsured motorist coverage. However, in the state, you can reject this coverage. In addition to these, you will need $5,000 for first-party benefits with regards to medical payments. The state requires this insurance, which provides a variety of medical benefits. There are different options for this coverage, but you must have the minimum in your policy. If you want more medical coverage, you can work with an agent at White Rose Insurance Agency, LLC to build a policy.

What You Should Know about Auto Insurance in Pennsylvania

In the state, you have the option to carry full tort or limited tort. Limited tort will limit your ability to sue other drivers for pain and suffering if you get injured in an accident. If you want to carry limited tort, you will need to sign a form with your insurance agent. Just purchasing the minimum amount may be enough coverage for you. If you are found at fault for an accident, the property damage to the other car may exceed the minimum liability requirement. You would be on the hook for the rest of the money out of pocket. It’s a good idea to purchase as much liability coverage as you can afford for this reason. It’s also important to note that liability coverage won’t do anything to protect your own injuries or your property damage if the accident is your fault. Consider collision and comprehensive coverage to protect your car. Collision coverage will protect you if you are involved in an accident and comprehensive coverage will help pay for repairs if your vehicle is damaged from a non-collision related event.

Contact White Rose Insurance Agency, LLC to get a quote on auto insurance.

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