FRIDAY, APRIL 30, 2021
How Much Auto Insurance is Required in Pennsylvania?
Auto insurance requirements are determined by state law rather than federal law, so the amount of insurance you need may change depending on where you live.
In Pennsylvania, all drivers must carry a minimum amount of auto insurance including:
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$30,000 in bodily injury liability per accident
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$5,000 in property damage liability
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$15,000/$30,000 in uninsured motorist coverage per person/per accident
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$15,000/$30,000 in underinsured motorist coverage per person/per accident
What Do These Insurances Cover?
State required insurance is designed primarily to protect other people on the road in case you cause an accident, including other drivers, passengers and pedestrians.
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Bodily Injury Liability covers bodily injury you may cause someone else. This coverage can provide compensation for emergency medical attention, medical payments and more for other parties.
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Property Damage Liability covers property you damage while operating your insured vehicle. This includes damage to other vehicles as well as buildings and other objects.
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Uninsured and Underinsured Motorist Coverage provide compensation for damages incurred in an accident you may have with another driver who either isn’t carrying the state requirements or isn’t carrying any insurance at all.
Consider Adding Additional Coverage
While minimum liability is the only legally required auto insurance, it isn’t typically recommended. For most drivers, dealerships and insurance providers recommend full coverage auto insurance. Full coverage simply refers to the highest amount of coverage you can have on a single vehicle, which can vary per vehicle. In fact, this insurance is often required by the dealership when you purchase a new car and have yet paid it off.
A full coverage auto insurance policy includes all of the coverages listed above as well as comprehensive coverage, collision coverage and personal injury protection.
Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, falling objects, theft, vandalism and other incidents not involving collision.
Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
Personal injury protection can help cover medical bills you and your passengers may face after an accident, no matter who caused the accident.
Every policy is different and your needs are unique. Shop around to compare quotes and speak with an insurance agent about finding the right coverage tailored for your vehicle. Your auto insurance needs can change over time, as well, so keep up with changes to your policy.
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