It is your responsibility to carry minimum liability insurance in Pennsylvania to protect other drivers in the event you cause a car accident. Failing to purchase the minimum liability insurance required by law can result in stiff penalties. In addition to liability insurance coverage, you should also consider purchasing other types of car insurance coverage to protect you and your property in the event of a car crash or other catastrophe that causes damage to your vehicle.
Pennsylvania Minimum Liability Insurance Coverage
Every state has minimum liability insurance coverage requirements in order to protect drivers and others on the road.
Pennsylvania law requires all drivers to carry minimum liability insurance in the following amounts:
- Medical Payments - You must carry a minimum of $5,000 in medical payment coverage. This pays for your medical expenses and the medical expenses of anyone covered under your policy regardless of who is at fault for the car accident.
- Property Damage - The minimum coverage for property damage insurance in Pennsylvania is $5,000. This covers the property damage to the other vehicle in a car accident that is your fault.
- Bodily Injury Coverage - Bodily injury coverage pays for the personal injury damages for someone injured in a car accident that is your fault. Pennsylvania requires a minimum of $15,000 for injury to one person and $30,000 for injury to more than one person.
If you fail to have the required minimum liability insurance coverage or fail to have any liability insurance coverage, your license can be suspended by the state. You may also face fines and other penalties for failure to have insurance and/or failure to provide proof of insurance coverage.
Other Types of Insurance Coverage
You may also want to consider purchasing other types of car insurance in addition to liability insurance coverage to protect you and your family in the event of an accident or other catastrophe. Examples of different types of car insurance you may want to consider include:
- Collision Insurance - Collision insurance covers the damages to your vehicle from an accident that is your fault. It pays to repair or replace your vehicle even though you are the one at fault for the accident. Most lenders will require you to have this coverage as long as you owe money on your vehicle.
- Comprehensive Coverage - Comprehensive coverage pays to repair or replace your vehicle in the event it is damaged by something other than a collision (i.e. theft, fire, storm, etc.). Your lender may also require this coverage as long as you owe money on your vehicle.
- Uninsured Motorist Coverage - UMI coverage pays your medical expenses and other damages up to the policy limits in the event you are injured in an accident caused by a driver who does not have insurance coverage.
- Underinsured Motorist Coverage - Underinsured motorist coverage pays for medical expenses and other damages in excess of the policy limits of the other driver. In other words, if your damages exceed the policy limits carried by the at-fault driver, your insurance company will pay the difference up to your policy limits.
One thing you want to remember about additional insurance coverage. Even if you are dealing with you own insurance company, you may still want to consult with a personal injury attorney. Your insurance company can deny coverage and will try to pay the lowest amount possible just like the insurance company for the other driver. You must still protect yourself even if you are dealing with your own insurance company.
Call Handler, Henning & Rosenberg LLP
Contact our car accident attorneys for a free consultation. We can help you receive fair and full compensation under Pennsylvania's personal injury laws if you have been hurt or injured in a motor vehicle accident.