In Pennsylvania car insurance laws stipulate that all drivers have to buy and keep car insurance.
Pennsylvania requires you to carry 15/30.
You are not required to buy insurance to coverage property damage.
Liability coverage is obligatory as it is in most states throughout the U.
S.
This means if you are required to buy liability coverage.
Liability coverage provides protection to the at fault driver in an accident as well as anyone injured in the accident.
You might be wondering how much coverage you actually need.
Pennsylvania laws states that the minimum amount for liability coverage is $15, 000.
00 for each person involved in the accident or $30, 000.
00 total if more than one person is injured.
If you can afford to increase that amount, you should do it.
That way, your personal assets will be safe.
If a person is seriously injured and the cost exceeds your coverage, that person has the choice of suing you for the additional cost.
It would also be wise to buy liability insurance that covers property damage.
This will help to pay for any damages done to the other persons vehicle or whatever it was that you ran in to.
First Party Benefits, or personal injury protection, is also required by the state of Pennsylvania.
The minimum amount required is $5, 000.
00.
It does not matter who is to blame, your medical bills will be taken care of through your PIP coverage up to the amount you purchased.
Using this insurance not have an affect your premiums.
If you exceed the minimum of $5000.
00 in medical bills but have insurance, then the insurance should cover the rest.
In Pennsylvania, the term used to categorize people who have car insurance is limited tort or full tort.
If you opt to carry full coverage, full tort coverage, you or your family will have full legal rights if you are involved in an accident.
Choosing the minimum amount required by the state takes away your legal rights if involved in an accident.
For individuals who choose full coverage, your premiums will about 12% to 20% higher.
However, having this coverage gives you the right to sue for any injury or damages as a result of the accident.
For those individuals who choose to carry the minimum amount of coverage, can only collect if the injuries sustained are considered serious by law.
If you suffer sprains, strains, whiplash or things of that nature, you will not be compensated for your injuries.