Understanding Pennsylvania Car Insurance

We all have difficulties understanding car insurance coverage now days, especially with the wide variety of coverages and the extra coverage options that feel as though they don’t make much sense. You may even find that the options that you have available to you are different in comparison to other states that you have lived. While in many ways the insurance will be the same, there are quite a few differences that are certainly worth mentioning. Ensuring that you have a good understanding of each policy is extremely important to ensure you are getting the coverage that you are looking for.

State Minimum

The state required minimum for your Pennsylvania car insurance is simple to remember at the beginning, then it seems to get a little crazy. For example, you should possess a minimum of $5,000 in Medical benefits coverage or No-Fault. Not only will this help pay any medical bills if you or your passengers are hurt, but can also ensure you get the proper care and treatment. You should also have liability insurance as well which covers not only bodily injury, but also property damage as well. The minimum requirement for these are $15,000 per person and per accident for bodily injury, and $30,000 total per accident, as well as $5,000 for property damage per accident.

Limited and Full Tort

When choosing your Pennsylvania car insurance, you will have to make a choice between limited and full tort. Limited tort, or limited ability to sue, will only allow you to sue for the cost of your medical bills but not pain and suffering unless your injuries are considered severe. Full tort, or unlimited ability to sue, will allow you to sue for both medical bills and pain and suffering. While many choose to go with limited tort due to the lower cost of insurance and because full tort adds quite a deal more cost to your insurance payments, there are merits in both choices. The point behind requiring only no-fault insurance was to limit the ability to people to place blame on others if it can be helped. Though with the cost of medical care due to an accident being so high, in some cases the need to sue for compensation of those medical bills is a necessity that cannot be overlooked. When you make your decision on which of these options you want, ensure you check the difference in price to ensure it is within your budget.