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Required
Automobile Coverages in Pennsylvania
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Medical Benefits — This pays medical
bills for you and others covered on your policy
regardless of fault. The minimum limit is $5,000
of coverage. Higher limits are available.
Bodily Injury Liability — If you injure
someone in a car accident, this coverage pays
their medical and rehabilitation expenses and
any damages for which you are found liable. You
must buy coverage of at least $15,000/$30,000.
The $15,000 pays for injuries to one person
while the $30,000 represents the total available
for one accident.
Property Damage Liability — If you damage
someone's property in an accident and you are at
fault, this coverage pays for it. You must buy
at least $5,000 of coverage. Some companies
offer a single limit of $35,000 which meets the
bodily injury liability and property damage
liability minimum requirements. |
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Other Options
under Pennsylvania's Auto Law
Limited Tort — Offers savings on your
premiums. You are still able to recover all
out-of-pocket medical and other expenses,
however you are not able to recover non-monetary
damages or receive payments for pain and
suffering unless injuries are defined as
serious.
Full Tort — With this selection you
retain unrestricted rights to bring suit against
the negligent party.
Uninsured Motorist (UM) — This covers
bodily injury for you or your family if you are
hit by an at-fault uninsured motorist.
Underinsured Motorist (UIM) — This covers
bodily injury losses for you or your passengers
if you are hit by an at-fault motorist who does
not have enough insurance to cover your claim.
Stacking of UM or UIM — This coverage
allows you to multiply the amount of uninsured
or underinsured motorist coverage by the number
of vehicles on your policy. It costs extra to
stack uninsured or underinsured motorist
coverage.
Funeral Benefit — Pays up to $2,500 if
you or a family member dies as a result of an
auto accident.
Income Loss — Pays your wages when
injuries sustained in an auto accident keep you
from working.
Collision — This benefit pays to repair
damage to your car as a result of an accident.
Most banks or lenders require you to buy this
coverage to receive a car loan. Under
Pennsylvania law, the company applies a $500
deductible unless you request a lower amount.
The higher your deductible, the lower your
premium.
Comprehensive — Generally, this pays for
theft or damage to your car from hazards
including fire, flood, vandalism or striking an
animal. Most banks or lenders require you to buy
this coverage to receive a car loan. There are
various levels of deductible to purchase.
Extraordinary Medical Benefits — This
coverage pays when medical and rehabilitation
expenses exceed $100,000. It provides a maximum
of $1 million of coverage. |
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