In A Car Accident? What You Don’t Know Could Be Damaging!

In A Car Accident? What You Don’t Know Could Be Damaging!

It may be surprising, but out of all 50 states, only a dozen, including the District of Columbia, offer a choice between “no fault car insurance” and the traditional coverage. And in case you missed the memo, the state of Pennsylvania is one that offers no-fault coverage that is, or can be, a valuable asset in an injury accident. Ergo, if you are involved in a car accident in this state or any other no-fault state, when it comes to who is the financially responsible party, the driver usually turns to his or her own insurance company to receive compensation for injuries up to the allowed limit. The better news for drivers is that regardless of who was at fault, your insurance will have you covered with that no-fault parachute.

Like most states, when you file for your drivers license in Pennsylvania and take your tests, your Department of Motor Vehicles (DMV) will have the minimum vehicle insurance requirements that you must adhere to. Liability will be one of the most expensive and necessary coverages you’ll be required to have. The other two most expensive plans – comprehensive and collision are not required by any state. That said, to have the ultimate coverage in a no-fault state like Pennsylvania you need to have an uninsured insurance policy and an under-insured motorist insurance policy.

In Pennsylvania like most all of the 50 states, uninsured and under-insured coverage in not a requirement. It’s usually a supplemental option on your policy. But if you plan to be able to sleep at night, best you include both of these options since it provides maximum protection if you are injured in an accident where the at-fault driver has no vehicle insurance – period; this could be a big “ouch” for you. Also, if you have chosen the Pennsylvania no-fault policy keep in mind that the no-fault rules only apply to personal injury. If you have suffered property damage in an accident, the driver at-fault can still be on the financial hook for your loses.
Note: While minimum insurance amounts are required, Pennsylvania drivers should strongly consider carrying an insurance policy that exceeds the usual state required limits to protect your PIP limits and the at-fault divers PIP limits.

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