Your Guide to Auto Insurance in Pennsylvania

Your Guide to Auto Insurance in Pennsylvania

Auto insurance is a contract between you and the company you’ve purchased the policy from. It protects you from financial loss if you’re in an accident. Of course, this works best when you have the right coverage in place.

In Pennsylvania, you must buy and maintain car insurance to drive. Lapses in insurance for more than 31 days will result in your vehicle registration privileges being suspended for three months. If you drive while there’s a lapse in your insurance, you can have your driver’s license suspended for three months, during which time you must surrender your license plate and registration sticker as well. Also, if you’re an accident during this time you can encounter some very steep fines. You have several insurance options in this state.

Required Coverage in Pennsylvania

As a Pennsylvania driver, you’re required to maintain the following types of coverage:

  • Medical benefits ($5,000) for you and anyone else who’s injured in an accident
  • Bodily injury liability ($15,000 for one person, $30,000 for one accident) for anyone you injure in an accident
  • Property Damage Liability ($5,000) for property damage in an accident
  • Limited (this offers you a savings on your premiums, but you can’t recover money for pain and suffering in an accident) or full tort (gives you the unrestricted right to sue the negligent party)
  • Optional Coverage in Pennsylvania
  • There are also a lot of optional coverages you can choose, including:
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Funeral benefits
  • Income loss
  • Collision
  • Comprehensive
  • Extraordinary medical benefits
  • Accidental death benefit
  • Rental reimbursement
  • Towing coverage
  • Gap coverage
  • Determining the Cost of Insurance

Your answers to a set of questions your insurance company asks you determines what you’ll pay. These questions are about your vehicle, how much you drive, and your history as a driver. Some companies also inquire about your credit information, but they can’t discriminate based on your race, religion or national origin.

There are a few things you should know about when establishing a new policy, including:

  • Discounts available
  • The policy’s length
  • Installment plans, if available
  • Whether higher deductibles on comprehensive and collision coverage will lower your costs
  • If you have an older vehicle, whether you should drop comprehensive and/or collision coverage

Make sure you read what you sign since you’re responsible for holding an accurate, complete policy. An experienced car accident attorney is able to negotiate with insurance companies to increase your settlement. Call us today.


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