Pennsylvania Car Insurance Laws

Pennsylvania state flag
Many states require residents to obtain a certain amount of vehicle protection before being legally allowed to drive, but Pennsylvania requires that resident motorists purchase a policy that includes a fairly wide range of coverage. Drivers must have a protection plan that includes Medical Benefits, Bodily Injury Liability, and Property Damage Liability, each with specific limits that must be reached; it is often beneficial to become acquainted with the various part of a standard PA automobile protection plan.

The Medical Benefits portion of a policy generally pays for the medical bills of the policyholder as well as those that are covered by the same policy regardless of fault up to the limits of the policy. Drivers are required to have a minimum limit of $5,000 but with rising medical related costs residents are urged to consider a higher limit. PA motorists also have the option of including Extraordinary Medical Benefits, which is designed to cover medical and rehabilitation expenses that are over $100,000 but under the maximum limit of $1 million.

Bodily Injury Liability (BIL) is a mandatory element of all Pennsylvania auto insurance policies because it covers medical and rehabilitation expenses of individuals that are injured as a result of the insured's negligence. The limits of this portion are $15,000 for a single person involved in an accident, and $30,000 per accident. It's important to note that if a vehicle owner inflicts injuries that exceed these values there is a chance that they may still be liable for the remaining costs, which are likely to come out of the driver's pocket. Similar to BIL, residents are also required to obtain Property Damage Liability (PDL) with a limit of $5,000 to cover damages that a policyholder is liable for after an accident; of the states that require this form of protection, PA has among the lowest limits.
Pennsylvania flag emblem with U.S. flag trim
Before purchasing Pennsylvania car insurance policies vehicle owners may want to research the options that are available, such as deciding whether or not to obtain a Full Tort or Limited Tort policy. If a driver chooses to purchase a Limited Tort policy they are likely to see a decrease in coverage costs, but they may also see a decrease in available options after an accident. With a limited tort plan drivers may still recover all out-of-pocket medical and other expenses, but will likely be unable to recover certain additional damages - such as those caused by pain and suffering - unless said damages are among the exceptions allowed by the state. Full Tort residents have an unrestricted right to sue a negligent party after an accident.