Pennsylvania Car Insurance Shopper’s Guide – PA Auto Insurance Basics

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How can one find the best Pennsylvania auto insurance? What are the most affordable auto insurance companies located in Pennsylvania? What are the PA minimum requirements for auto insurance coverage? When comparing Pennsylvania car insurance rates, what are the most important things to consider? How can one find Pennsylvania rental car coverage? And should it be bought at all? These are the key questions that PA residents must answer if they are over 18 years old. Learn more about PA auto insurance basics to see if you can save some money.

Pennsylvania No Fault Auto Insurance Laws

Pennsylvania has a no-fault system for car accidents. This means that no matter who is at fault for an accident, your insurance company will cover your injury claim. You might call the Pennsylvania Department of Insurance to ask any questions.

PA Car Insurance Minimum Coverage

Pennsylvania law requires bodily injury coverage to be at least $15,000 per person and up to $30,000 per incident. Bodily injuries insurance covers medical expenses, lost earnings, pain and suffer, as well as legal defense costs incurred as a result.

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Pennsylvania also requires you have at least $5,000 worth of property liability car insurance. Property damage coverage pays for damage to other people’s property, such as fences, houses, cars, and legal costs.

Pennsylvania law also requires personal injury protection (or PIP). There are many levels of personal injuries coverage, but the minimum required amount is $5,000. The minimum required amount is First Party Benefits-Medical in Pennsylvania. This coverage covers you for medical and surgical expenses if you are injured in an accident. It also pays for rehabilitation services such as physical therapy and psychiatric expenses. Ambulance and nursing services can be provided. You will also receive any medications, supplies, prosthetic devices, and other necessary medications. You, the other drivers on the policy and your relatives who live in the same house as you will be eligible for benefits.

PA Tort Laws

You must choose between a tort or a wrongful death option in Pennsylvania. You have the right of compensation if you or any member of your household are injured in a car crash.

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Limited tort gives you a limited right to claim damages. Although you will be covered for all medical costs and other expenses that result from an accident, you will not receive compensation for pain or suffering. This is unless your injuries are severe, such as a permanent disability or death. You will pay lower premiums for property damage, income loss, and full first party benefits if you select the limited tort option.

Your rights to financial compensation are not limited if you select full tort coverage. Full tort covers you and your family members for damages such as medical and other expenses. You can also seek financial compensation for pain and emotional distress, as well for other injuries sustained in an accident caused by another driver. You will still be able to choose the limited tort option for your property damage, income loss, and full first party benefits.

Optional PA Auto Insurance coverage

Optional liability coverage includes coverage for first-party extraordinary medical care in Pennsylvania. This coverage could provide coverage for you and your family members up to $1,000,000. You can choose this coverage once your personal accident protection insurance has reached its limit for medical expenses.

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First party income coverage pays up to 80 percent of lost earnings in the event you are unable or temporarily disabled from work due to an accident. This coverage is limited at $2,500 per month and has a limit of $50,000

Optional first party accidental death auto insurance coverage is also available. This coverage will pay a death benefit of up $25,000 to you or a family member who has died from injuries sustained during an accident that occurred within two years. You will designate a beneficiary at the time that you purchase the coverage.

Pennsylvania offers another option for car insurance: first party funeral coverage. If you or someone in your household is killed in an automobile accident, the policy will pay $2,500 towards funeral costs.

While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. In the event that you are hurt by another driver, this will cover your medical expenses, lost wages, and any other damages.

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The optional uninsured motorist bodily injuries car stacking policy can also be purchased. You can increase your uninsured motorist bodily injuries coverage with this option. However, you will have to pay more for car insurance.

There are many options for liability insurance in Pennsylvania. You might also consider purchasing vehicle coverage like collision, comprehensive and emergency road service, rental limits, loan/lease gaps coverage, or customized equipment policies.

If your car is involved in an accident with another vehicle, object or has rolled, collision coverage will cover the cost of repair or replacement. Comprehensive coverage is required in order to purchase collision coverage.

Comprehensive coverage will cover damage to objects falling, fire, certain natural catastrophes, vandalism or theft, as well as damage caused by an animal being struck.

A bank, credit union, or leasing company may require that you have collision and comprehensive coverage for your vehicle.

Special equipment coverage can pay for any permanent equipment you have installed on your car or truck. If you have both collision and comprehensive coverage, then you can only get customized equipment coverage.

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Pennsylvania offers optional loan/lease-gap insurance that covers the actual cash worth of your car and any amount owed to you at the time. This policy does not include any deductibles, unpaid financing charges, excess mileage, wear and tear charges or a deductible.

Pennsylvania High Risk Car Insurance

Pennsylvania also offers an Assigned Risk Plan. This program provides high-risk Pennsylvania car insurance for drivers who aren’t able to get other types of coverage. This plan may be necessary depending on your driving record, car type, and if you are unable to get coverage for another vehicle.

Pennsylvania Rental Car Insurance

Many PA drivers struggle to decide whether rental car insurance is necessary. It is true that your PA auto insurance policy will be with you when you rent a car. However, it is crucial to make sure your regular PA auto coverage is still valid. auto insurance policy has all of the coverage that you will want while driving the rental. If you don’t have any Pennsylvania auto insurance, you might want to purchase rental car insurance.

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Find the Best Pennsylvania Auto Insurance Company

Although no single PA auto insurance company is the best, it is true that there are many top-rated companies in Pennsylvania. Here’s a list of the top:

AIG

SF Insurance

Allstate

Esurance

Progressive Direct

GEICO

Liberty Mutual

To find the best policy, compare rates from at minimum 5 different companies.

Get Pennsylvania Car Insurance Quotes Online

There are many options for Pennsylvania car insurance. It may be a good idea to shop online for the best rates. A side-byside comparison of the rates and services at different car insurance providers might be a good idea. You can save hundreds of dollars by doing some research and taking the time to compare rates.