If you drive a vehicle in Mechanicsburg, PA (or anywhere in the state of Pennsylvania), you’ll be required to have auto insurance. If you’re currently in the market for auto insurance, be sure to contact us at Grove Financial & Associates Inc. In the meantime, check out these facts about Pennsylvania auto insurance:
Minimum Coverage Requirements
Like most states, Pennsylvania implements minimum coverage requirements to help protect all drivers on the road from catastrophic financial loss in the event of an accident. Pennsylvania law requires drivers to have liability insurance, which covers damages or injuries they cause to others in an accident. The minimum requirements are $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage.
Optional Coverage Packages
In addition to the required liability coverage, Pennsylvania drivers can purchase optional coverage such as collision, comprehensive, and uninsured or underinsured motorist coverage. Collision coverage pays for damages to your own vehicle in an accident, while comprehensive coverage pays for damages caused by non-collision events like theft or natural disasters. Uninsured or underinsured motorist coverage protects you if you’re in an accident with someone who doesn’t have enough insurance to cover the cost of damages.
Pennsylvania is a no-fault state, which means that regardless of who is at fault for an accident, each driver’s own insurance company is responsible for paying their medical expenses and lost wages. However, if you are seriously injured in an accident, you may be able to sue the at-fault driver for damages that exceed your insurance coverage.
Pennsylvania auto insurance companies may offer discounts for factors such as a good driving record, owning multiple vehicles, and extra safety features on your car. Be sure to ask your insurance company about any available discounts they offer.
Driving Without Insurance
Driving without insurance in Pennsylvania can result in fines, suspension of your driver’s license, and impounding your vehicle. Maintaining adequate insurance coverage is essential to protect yourself and others on the road. It could cost you far more than you may realize if you don’t.
Remember, if you live in or near Mechanicsburg, PA, contact Grove Financial & Associates Inc to learn more about getting auto insurance!