Pennsylvania Auto Insurance
If you're a licensed driver in Pennsylvania, you're required to carry an auto insurance policy including bodily injury and property damage liability and personal injury protection. These provisions protect you when you're at fault in a collision and when you aren't.
If you're responsible for a wreck that injures someone, bodily injury liability can help pay for medical, rehabilitation, and/or funeral expenses that accrue. Property damage liability helps pay for damage you cause to another party's car or other property in a collision.
Here's what the Pennsylvania requirements are and what they mean:
- $15,000 coverage for bodily injury per person
- $30,000 coverage for total injury per accident
- $5,000 coverage for property damage
Unfortunately, the minimums might not give you enough coverage in some situations. You're personally responsible for the expenses once your provider reaches your coverage limits.
Personal injury protection is similar to bodily injury liability, but it covers your necessary medical expenses no matter who is at fault in a wreck.
You should consider some other coverages as well. Comprehensive coverage helps if your car is damaged in a flood or vandalized, as well as in some other situations. Collision coverage helps repair your car if you need repairs after a wreck you cause.
Finally, many drivers wouldn't hit the road without uninsured/underinsured motorist coverage. That kicks in if another driver causes a wreck involving you but doesn't have any or enough liability protection. It also can help in a hit-and-run accident.
Pennsylvania car insurance discounts
Drivers in the Keystone State can qualify for several discounts, such as:
- Good student discount.
- Safety devices discount.
- Multi-car discount.
- Multi-policy discount.
- Homeowners discount.
- Claim-free discount.
To see whether you could save on car insurance and which price deductions you qualify for, speak with a HomeInsurance.com representative. This licensed professional can help you save by giving you the full rundown on discounts you may be eligible to receive. Call today to see whether you can start saving!