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Helping you get your required auto coverage in PA

In the state of Pennsylvania, there are 3 required coverages — bodily injury liability, medical payments, and property damage liability. There are also multiple options for additional coverage.

Bodily Injury Liability
This is the coverage you need if you injure someone in an auto accident. It pays for their medical and rehabilitation expenses and the damages for which you are liable. For you, it’s all about protection in case you are sued. The minimum amounts required by PA law are $15,000 per person or $30,000 per accident, though you can choose higher limits are if you wish.
Medical Payments
No matter who is at fault in the accident, this pays for the medical benefits for you and your family when involved in an accident. The state of PA requires a $5,000 minimum, meaning your auto insurance policy would pay $5000 in medical expenses first, even if you have medical insurance. Higher coverage limits are also available.
Property Damage Liability
If there is property damage caused by you in an accident, this coverage would take care of that. The minimum limit in PA is $5,000.
Uninsured and Underinsured Motorist Coverage
If the person who hurt you only had the minimum Bodily Liability coverage required under state law, this will provide additional coverage to you and your family.
Stacking of UM and UIM
If you choose both UM and IUM coverage, you can combine them. Combining them allows you to increase your UM and UIM limits by how many cars you have covered in your policy. For example, a $10,000 per person and $20,000 per accident policy increases to $20,000 per person and $40,000 per accident if you decide to stack them.
Funeral Benefit
Should you or a family member pass away as a result of an auto accident, this policy will pay up to $2,500. This is an optional coverage that carries an extra expense or premium.
Income Loss
When the injuries you sustain in an auto accident prevent you from working, this will pay your wages to the limit established. This is an optional coverage that carries an extra expense or premium.
Extraordinary Medical Benefits
Your medical bills and rehab expenses will be paid for if they go over $100,000. The maximum is listed at $1 million. This is an optional coverage that carries an extra expense or premium.
Collision
If you have selected this coverage and your car is damaged in an auto accident, this benefit will pay to fix it. Lenders tend to require this in order to buy a car from them. To help with the overall cost, you’re generally required to pay a deductible before repairs can begin. A typical deductible price is $500, but it can be lower. Lower deductibles make your premium higher, while higher deductibles will lower your premium. This is also an optional coverage that requires additional premium to be paid.
Comprehensive
If you have selected this coverage and your car needs to be repaired for a reason other than an accident with another vehicle, you will be covered. Examples include fire, theft, vandalism, flood and hitting an animal. Like Collision Coverage, a deductible is required. This is also an optional coverage that requires additional premium to be paid.

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