Auto Insurance in Pennsylvania
Here are the facts you need to know about auto insurance for Pennsylvania drivers.
What Are Auto Insurance Coverages Required for Pennsylvania Drivers?
The auto insurance coverages that are required for Pennsylvania drivers include:
- Medical benefits
- Bodily injury liability
- Property damage liability
Medical benefits - is insurance coverage that pays the medical bills for you and other individuals who are covered under your policy. This medical coverage is valid whether you are at fault for an accident or not.
Bodily injury liability - this auto insurance coverage protects you if you injure an individual in an auto accident. If you are liable for damages, bodily injury liability coverage pays for these damages, including rehabilitation and other medical expenses.
Property damage liability - if someone's property is damaged as a result of an accident, property damage liability covers the needed repairs.
What Do Pennsylvania Auto Insurance Policy Limits Mean?
These policy limits are the maximum amount your insurance provider will cover to any one individual or all persons who are injured in an accident. Auto insurance policy limits also include property damages.
Are There Optional Coverages Available in Pennsylvania?
Optional coverages that are available in Pennsylvania include:
- Uninsured motorist (UM)
- Underinsured motorist (UIM)
- Stacking of UM or UIM
- Funeral benefits
- Income loss
- Towing coverage
- Gap coverage
- Extraordinary medical benefits
- Accidental death benefit
- Rental reimbursement coverage
Getting Insurance Quotes
You can use the internet to receive online quotes for auto insurance. Getting these immediate quotes is easy, and you can compare them with other auto insurance premiums to ensure you are receiving the best auto insurance policy for your needs.