Pennsylvania law requires a minimum of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 per accident for property damage liability for auto insurance. Personal injury protection, with a $5,000 limit, is also required. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability
If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability
When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover repairing costs. It will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket.

Personal injury protection
Regardless of who was the driver at fault, personal injury protection covers the medical expenses of you and your passengers when in an accident. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

Although you are not required to carry collision or comprehensive collision, it is suggested that you think about the consequences of not carrying these two coverages. Not carrying these coverages does mean that if your car is damaged in an accident or stolen, you would be responsible to pay for repairs or replacement out of your own pocket. Collision and comprehensive may be an expensive part of your car insurance, but ultimately it may cost less than replacing your current car.

Pennsylvania follows a tort auto insurance system instead of a no-fault system. In a tort system, the driver who is at fault in an accident and their auto insurance company are responsible for all medical expenses of the driver and passengers in the other vehicle, including any lost wages or pain and suffering claims. This information may factor your decision of how much liability you purchase for your auto insurance policy.

There are heavy penalties in the state of Pennsylvania for driving without auto insurance. If caught, you could be faced with a fine of $300. In addition to the fine, you could be suspended from driving for three months, followed by a $50 reinstatement fee.

Pennsylvania Auto Insurance Requirement Chart:

• Bodily Injury Liability: $15,000/$30,000 Limit
• Property Damage Coverage: $5,000 Limit
• Personal Injury Protection: $5,000 Limit

Compare & Save on Insurance by Visiting Our Comparison Form. Enter Your Zip Code, Select Insurance Type, then Click Go. One Form, Takes Only ~ 3 Min, Quotes from Top Providers!