Pennsylvania Auto Insurance Law, Part 2: Optional Coverage

Pennsylvania Auto Insurance Law, Part 2: Optional Coverage


In our last blog post, we discussed the insurance coverages mandated by Pennsylvania law. Today, we will go over the optional coverages available, many of which you should consider purchasing.
Uninsured motorist insurance: Perhaps the most important optional coverage (and a type of coverage EVERY driver should have), uninsured motorist coverage — UM coverage — protects you financially if an uninsured motorist hits you. It also pays your medical bills after a hit-and-run accident.
Underinsured motorist coverage: Like UM, UIM coverage will pay for your injuries if the motorist who causes your accident does not have adequate insurance to cover your entire personal injury claim. Since many drivers purchase the bare minimum amounts of auto insurance, UIM coverage is necessary.

Collision: While collision coverage is not required under Pennsylvania law, most car lenders require you to purchase it before they will give you a car loan. Collision covers repairs to your car after an accident.

Comprehensive: Comprehensive insurance covers damage to your car from natural disasters, vandalism and other hazards.
There are additional coverages such as income loss, funeral benefit, accidental death benefit, extraordinary medical benefits, towing coverage, rental reimbursement coverage and gap coverage, that you may want to consider purchasing depending on your unique situation.
For example, most serious accidents run upwards of $100,000 in damages. Extraordinary medical benefits coverage is the only coverage that provides up to $1 million for serious accidents. If you are concerned about protecting your vehicle, gap coverage pays the difference between your totaled vehicle payment and the balance you owe on your car loan.
Rather than simply accepting what your insurance company suggests, it is important to get all the facts about Pennsylvania’s mandatory and optional coverages. Should you be involved in a car accident, you will be grateful you took the time to research your options.

If you have questions about Pennsylvania car insurance law, contact Pennsylvania Car Accident Lawyers today.