A Brief Consumer's Guide to Understanding Pennsylvania's Auto Insurance Requirements?

Answer 1

Pennsylvania requires drivers to carry a certain amount of auto insurance coverage. This coverage must include bodily injury liability coverage, property damage liability coverage and medical liability coverage. Moreover, Pennsylvania auto insurance laws also require drivers to choose between coverage plans that offer different legal options to drivers who wish to sue for accident-related damages.

Here is a quick overview of these Pennsylvania's auto insurance requirements that can help drivers understand these requirements in detail.

Drivers in Pennsylvania must purchase adequate bodily injury liability coverage.

Pennsylvania drivers must purchase bodily injury liability coverage that provides at least $15,000 of bodily injury coverage for one person who is injured in an accident. Drivers in Pennsylvania must also purchase at least $30,000 in bodily injury liability coverage to cover all injuries sustained in a single auto accident. This liability coverage is required because it pays the medical and rehabilitation expenses for each person who is injured in an accident for which a driver is found liable.

Drivers must purchase property liability coverage for damage caused by reckless driving.

This coverage must include at least $5,000 of liability coverage for property damage that is caused by reckless driving. Drivers in Pennsylvania may also purchase higher amounts of property liability coverage if they choose to do so.

Drivers must purchase limited medical coverage to cover accident-related injuries.

Drivers must purchase at least $5,000 of this medical insurance coverage to comply with state laws. However, drivers in Pennsylvania may also purchase higher amounts of coverage if they choose to do so. It is required because it provides medical care coverage for anyone who is injured in an accident.

Moreover, drivers are required to choose between "limited tort" and "full tort" coverage.

Drivers are required to choose between limited tort coverage and full tort coverage. This requirement allows drivers to choose between lower priced limited tort coverage that offers fewer claims options and higher priced full tort coverage that offers more claims options. This requirement was established to provide drivers in Pennsylvania a greater selection of auto insurance options.

For more details, please call the Pennsylvania Department of Transportation.

Drivers in Pennsylvania who have questions about local auto insurance requirements may contact the Pennsylvania Department of Transportation at 1-800-932-4600. Out-of-state consumers may call 1-717-412-5300 to inquire about insurance requirements for people who move to Pennsylvania during the year.