Pennsylvania Auto Insurance Requirements

If you own and operate a car in Northeastern, PA, it is important to ensure that you have the proper coverage according to the law. This means that in Pennsylvania, you are required to have liability car insurance as well as medical benefits or no-fault coverage.

Medical Coverage

Pennsylvania is a no-fault state when it comes to auto insurance, so that means that you need to have medical benefits through your auto insurance. Your auto insurance provider will help to pay for any medical bills you or your passengers incur in an accident no matter which driver is determined to be at fault. The minimum coverage required by law in Pennsylvania is $5,000 for these medical benefits.

You mainly have two tort options when you purchase this as well. You can choose the limited right to sue or the full tort right to sue. Limited tort does allow you to sue for all medical costs from an accident and it is cheaper, but it does limit you from suing for pain and suffering. That means that you can only sue for the medical costs. The full tort option allows you to sue for both medical costs and pain and suffering. This option is a bit more expensive.

Limited Liability Coverage

In addition to the medical coverage, you are also required to have limited liability coverage in Pennsylvania. By law, you need to have minimum coverage including:

• Bodily injury liability coverage equal to $15,000 per person and accident
• Bodily injury liability coverage equal to $30,000 total per accident
• Property damage coverage equal to $5,000 per accident

You may be able to also purchase a single limit of $35,000 from some insurance companies through The Tyson Agency. This would cover the entire liability requirement in the state. Uninsured and underinsured insurance will be required by the state as well in case someone does not have enough insurance coverage or none at all.

If you are interested in learning more about your options, be sure to reach out to us here at The Tyson Agency in Northeastern, PA today. Our agents can help you get full coverage and provide you with a quote. If you are busy, try using our online rating tool for quotes on auto insurance from home.