Guidelines For Auto Insurance In Pennsylvania?

Answer 1

Pennsylvania lawmakers, out of concern over steadily rising auto insurance costs, enacted a unique option for automobile insurance. When purchasing an auto insurance policy for a Pennsylvania registered vehicle and driver, you must consider and select one of two options regarding torte rights.

These options are described as follows:

Limited tort rights allow you to choose to limit your right and the rights of other members of your household to seek financial compensation for injuries caused by other drivers. You may seek remuneration for all unpaid medical and out-of-pocket expenses, of course. Limited tort means that if you or someone in your family is injured in a vehicle accident, you cannot make a claim for pain and suffering and other non monetary damages unless those injuries fall within the definition of serious injury. Serious injuries do not include those soft tissue injuries such as a back strain or neck sprain, for example. By selecting this option, you are in effect limiting the amount you can expect to receive as compensation from another driver's insurance coverage.

Full tort rights allow you the right to choose seek financial compensation for injuries caused by other drivers for both yourself and the other members of your household, including compensation for pain, suffering, and other non monetary damages inflicted as the result of careless driving by another individual.

Of course, as you can imagine, choosing a full tort policy versus a limited tort policy has some premium adjustments. Full tort insurance will cost you more in premiums that limited tort, specifically. Unfortunately, the only way for an individual to protect him or herself completely is to pay the higher rates for full tort coverage – similar to the choice for paying uninsured or under insured motorist coverage riders to protect yourself in the event of an accident caused by an under insured driver.

The required minimum liability auto insurance coverage for Pennsylvania drivers is as follows:

$15,000 bodily injury for a single person, and $30,000 bodily injury for multiple persons per accident

$5,000 coverage for medical expenses

Property damage limits are varied

Individuals who choose the full tort option can pay as much as 12 or 20 percent higher in premiums than if he or she had selected the limited tort option.