Pennsylvania Car Insurance Quotes

When you purchase private passenger automobile insurance, there are certain coverages that are required and others that are optional. The required coverages are:

Medical Benefits — This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available if you so choose.

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. The minimum limit is $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. The minimum limit is $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.

Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a 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 certain damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.

If you are stopped for a moving violation and it is determined that you are operating your vehicle without insurance, you could face the following penalties and expenses:

• A minimum of $300 fine for driving uninsured
• A three-month suspension of your vehicle registration
• A three-month suspension of your driver's license
• Restoration fees to restore your vehicle registration
• Restoration fees to restore your driver's license
• Vehicle impoundment

In addition, your vehicle may not be driven by anyone while the registration is suspended.