Pennsylvania Auto Insurance Offices.
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Liability Coverage Bodily Injury – If policyholder causes injuries in an automobile accident, bodily injury liability pays for the injury and rehabilitation expenses as well as any damages for which he or she may be found liable. The state of Pennsylvania requires motorists to have at least $15,000 bodily injury coverage per person and at least $30,000 total per accident.
Property Damage – If the policyholder damages any property such as another vehicle or a fence in an at-fault accident, property damage liability coverage will pay for damages up to the policy limits. The state requires residents to have a minimum of $5,000 coverage per accident. It is recommended that drivers purchase more than the minimum to make sure there are no uncovered damages that would require them to pay out of pocket.
Medical Coverage Pays bodily injury expenses for policyholders and others covered under their policy regardless of who is at fault. PA requires medical coverage to be at least $5,000; however, motorists can choose higher coverage depending on their needs.
Note: Some carriers will offer a combined single limit of both bodily injury and property damage. The single limit will provide coverage for both injuries and property damage up to the policy limits.
There are many other types of coverage available for purchase in PA. Drivers should choose by evaluating their individual needs and coverage requirements. There are many different options and discounts available, so you should start by comparing a few rate quotes. We can help you even if you are a high risk driver with a not so perfect driving history.
Pennsylvania auto rates are based on multiple factors including the driver, the car and even where it is parked at night. We can help drivers answer most questions when you speak to our licensed agents and learn more about coverage and obtain tips on saving yourself some money.
If you have trouble finding auto insurance coverage in Pennsylvania you may need specialized help from PAARP, Pennsylvania Assigned Risk Auto Insurance Offices and Producers.