Depending on what state a driver lives in, there are different requirements for auto insurance. In the event of an accident, auto insurance is crucial for saving individuals from certain expenses or payments.
Liability Coverage
To begin, it’s clear to note that all Pennsylvania drivers must have liability insurance coverage. This type of insurance is utilized if you’re required to pay for the damage or injuries that resulted in an accident on your account. The minimum coverage of liability insurance should include $15,000 for bodily injury per person, $30,000 bodily injury per accident, and $5,000 for property damage that ensued. As a driver, you can always opt into higher protection amounts. Similarly, since Pennsylvania is a no-fault state, First Party Benefit (FPB) requires insurance providers to cover a minimum of $5,000 for medical expenses. It doesn’t matter what driver was at fault, Pennsylvania law requires it.
Full vs Limited Tort
Finally, drivers also have the option to choose between full tort or limited tort options. Full tort will give the victim of an accident who suffered an injury the ability to sue. On the other hand, limited tort limits the right to sue unless major injury is received, such as disablement or death. No matter what happens in an accident, driving without insurance will impact drivers the most. We have more information on how to choose between Full and Limited Tort if you have trouble deciding.
Consequences of Driving Uninsured
There are multiple penalties associated with driving while uninsured. These penalties will range from a minimum fine of $300 to a three-month suspension for both the vehicle registration and your driver’s license. Not to mention, more expenses will accumulate when trying to get your license back, while the vehicle involved in the accident will be out of commission until the suspension is lifted.
Other Popular Options
Finally, there are various other types of coverage you can check out if you’re interested. One of the most popular is collision, which helps pay the repair or replacement cost of your vehicle after an accident. A few other coverage options that are worthy to mention include roadside assistance, uninsured motorist coverage, and comprehensive insurance.
To learn more about requirements for Pennsylvania auto insurance, feel free to contact us! We can help discuss all the ins and outs, as well as introduce some of our policies. Check out our website to see some of the other insurance options we carry as well. We hope to hear from you soon!
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