Pennsylvania Online Vehicle Insurance: Mandatory Coverage
The state of Pennsylvania requires drivers to carry liability coverage in the amounts of $15,000 per person bodily injury; $30,000 per accident bodily injury; and $5000 per accident property damage. These limits are amongst the lowest in the country. Industry professionals instead recommend $100,000 per person bodily injury; $300,000 per accident bodily injury; and $100,000 per accident property damage.
The other form of mandatory coverage in the state is PIP or personal injury protection. This is the aspect of car insurance that makes no-fault coverage possible because it will kick in with bodily injury benefits for the injured policy holder or his passengers.
Pennsylvania Online Vehicle Insurance: Suggested Coverage
In the state of Pennsylvania only 6.6% of drivers are estimated to operate their vehicles without insurance coverage, making it the one of the 5 lowest ranking states in terms of uninsured motorists. However, it is still very important to carry uninsured motorist coverage.
Personal property damage coverage is necessary if you have a loan on your vehicle. Lenders require it to protect their investments. However, if you do not have a loan, the choice is yours. The two forms of coverage that take care of personal property damage are collision and comprehensive. Collision covers cost of losses incurred through moving at-fault accidents. Comprehensive covers losses that occurred through no fault of the driver, like theft, vandalism and storm damage.
Other suggested coverage includes rental car reimbursement and towing and labor costs. While these may be covered under a credit card or an auto club membership, they are important to have in one form or another, especially if you have full coverage insurance.
