Pennsylvania Auto Insurance

Pennsylvania State Car Insurance

Pennsylvania is among the few states imposing two insurance laws: one is tort law where a driver is required to carry minimum liability coverage, and the other option is to insure under no-fault insurance laws.

The no-fault coverage covers medical expenses regardless who is at fault in an accident. With all these, Pennsylvania has earned the moniker a “choice no fault” state or a “limited tort state.”

As for the state auto insurance requirements, liability minimum under tort laws are 15/30/5. This means a driver found at fault in an accident would pay $15,000 per person injured, up to $30,000 for all persons wounded and another $5,000 for all damaged properties. Also, motorists residing in Pennsylvania are obliged to have medical coverage of at least $5,000, regardless of who is at fault in an accident. All these should be considered by recent Penn residents when they submit free auto insurance quotes to their agents, or click on those online auto quotes.

When a driver opts to be covered at the “no fault” system, it means they surrender rights to sue another driver for expenses, unless costs exceed coverage limits. With Pennsylvania tort laws, any policy holder can sue for damages outside of the expenses of the accident. Also, insurers offer more optional coverage types like comprehensive for property protection, collision insurance, uninsured motorist bodily injury protection for additional medical expenses and lost wages, and uninsured motorist property damage.

As for its calculation, insurance rates are largely based on personal information of the driver, patterns of behavior and driving related traits, vehicle type and others. Overall costs and state risks are also considered, along with lawsuit costs and Pennsylvania areas’ risk levels.

Related Links:

• No Related Links