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Pennsylvania Car Insurance Basics
Possessing car insurance, if you own a car or drive it, protects the car against accidents and untoward events. According to the state laws in Pennsylvania, any driver or car owner should possess minimum liability insurance. If you do not have this minimum coverage, then you can be subjected to legal sanctions by the state. Apart from this minimum liability Pennsylvania car insurance, vehicles owners and drivers can also customize their insurance policy and add optional elements that suit their requirements.
Minimum coverage
To be legally compliant in Pennsylvania, car owners should purchase policies with minimum insurance coverage of $ 5,000 for property damage liability auto insurance that compensates the damage caused to a third party's property namely house and car among others. The bodily injury cover that includes loss of monthly earnings, litigation costs and medical treatment costs should be worth at least $15,000 per person or $30,000 for an accident. Finally, personal injury protection coverage minimum is $5,000 for your medical and rehabilitation costs. Car drivers and owners can also purchase a comprehensive Pennsylvania car insurance that covers all these components for $35,000 and above.
No-fault insurance
The state of Pennsylvania follows no-fault system which ensures that the claim is paid to the injured party without any proof or evidence about the party at fault. Irrespective of who is responsible for an accident, the insurance companies compensate in the state. Subjected to revision, the no-fault law may change with time. So, in order to know about the law at a particular point in time, individuals can contact the Department of Insurance of the state.
Pennsylvania tort laws
Drivers can choose tort options while buying Pennsylvania car insurance that allows you or your family members to receive settlement, in the event of an accident caused by the driver's negligence or incompetence. Limited tort restricts the insurance cover to medical expenditure incurred after the accident and leaves out the damages sustained in the aftermath of the incident. Full tort allows you to get a comprehensive coverage with all benefits inclusive of property damages and loss of wages.
Driver's self insurance
In Pennsylvania drivers can buy self-insurance after submitting their application to the Department of Transportation of the state, along with their income statement and security agreement. A security deposit should be paid in the form of bonds, cash or some other kind of collateral. The self insured drivers will get insurance identification card, coverage and binder from the insurance company.
Other insurance options
Pennsylvania car insurance policies also include high risk car insurance and rental car insurance among others. Drivers and vehicle owners can also avail policies that cover medical expenses, accidental death, income loss and funeral expenses. Apart from this collision, comprehensive, emergency road service and optional loan coverage are available in the state.
Comparing quotes
You can get best deals by purchasing auto insurance policies online. Car owners can also get quotes from various insurance service providers, compare them using comparison sites and get a Pennsylvania car insurance that is perfect for their budget and needs.