Pennsylvania Auto Insurance: Our Recommended Coverage
Currently in Pennsylvania, you must make many decisions in order to purchase automobile insurance. First, you must choose to carry a Tort option on your policy. Find out the differences between Limited Tort and Full Tort.
In addition to selecting a Tort option, there are only three other required coverages under Pennsylvania law: Bodily Injury Liability, Property Damage Liability, and Medical Expense Benefits. Of these coverages, only Medical Expense Benefits actually pays out money to you and your family if you, or someone covered by your policy, are injured in an accident. The other two required coverages pay money to the other driver or to the other person injured because you wer at fault for the accident.
The chart below shows the minimum required coverage under Pennsylvania law compared to what our law firm recommends for minimum car insurance coverage. Our recommendations provide coverage that protects you and those covered under your insurance policy.
|
Pennsylvania Automobile Insurance Coverage |
||
|
Options |
Minimum Required by PA |
Our Minimum Recommended |
|
Limited |
Full |
|
|
$15,000 per person |
$100,000 per person |
|
|
$5,000 |
$10,000 |
|
| Property Damage Liability | $5,000 | $25,000 |
|
|
Not Required
|
$1,000 per month |
|
Not Required |
$100,000 per person |
|
|
Not Required |
$100,000 per person |
|
|
Stacking of Limits for Uninsured/Underinsured Motorist |
Not Required |
Choosing stacking is essential to maximizing your family's
protection: |
|
Not Required |
$1,500 |
|
By choosing our recommended coverages, you now have more coverage to benefit you and your family - 7 out of our 9 recommended coverages pay money to you in the event of an accident.
Purchasing only the minimum auto insurance coverages required by Pennsylvania law may save you a few dollars on your policy payment; but it could cost you thousands of dollars in terms of lost money if you, or someone covered by your insurance policy, are ever injured in an auto accident.
We know that automobile insurance coverage can be a financial burden for many households; however, if you are able to carry even higher amounts of insurance coverage than the minimums we recommend, we suggest that you do. You can change your insurance coverage options at any time. You don't have to wait until you renew your policy to change your chosen options. Read more about changing coverage on your Pennsylvania auto insurance policy.
Injured in a car accident? Put our experience to work for you.
For over 25 years, our attorneys have represented more than 30,000 people who have been injured in all types of accidents including car accidents. In addition our legal team has answered over 350,000 injury-related legal questions. When an injury from a car accident occurs and legal help is needed, experience counts.
Free Legal Evaluation
If you, or someone you care about, have been injured in a car accident, you can contact our law firm for a free evaluation by:
- Filling out a simple online form so we can evaluate your claim
- Calling toll free 1-866-227-6038. Our phones answer 24 hours a day/7 days a week
Our law firm will evaluate your claim free of charge and advise you on your legal rights to collect compensation. There is no obligation to use our services, and there is never a fee unless we get money for you.
This guide is NOT a complete summary of the Pennsylvania Auto Insurance Law. It is designed to highlight certain important features of this law and should not be considered legal advice. Everyone has different insurance needs. If you have any questions concerning your coverage, please contact your insurance agent.
