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Pennsylvania Car Insurance Basics

The state of Pennsylvania is a great place to live and drive. People all over the state drive their cars for work and play, from high school students all the way up to retirees. Every driver in the state of PA must abide by certain mandatory standards for auto insurance coverage. Liability insurance is required for all drivers. Beyond liability auto insurance, Pennsylvania drivers have many options on additional elements they could add to their policies if they so desire. These options give every driver the chance to customize a policy designed to suit their specific needs as well as their budget. PA is a financial responsibility state, meaning there are certain consequences attached to any failure on the part of car owners to maintain proper and legal auto insurance and current registration on their vehicles. These standards are designed to promote high rates of proper coverage and to protect drivers from uninsured motorists.

PA Car Insurance Requirements

The state of Pennsylvania vehicle code requires every driver to carry liability insurance for their vehicles. Here in PA, the split form auto insurance liability model is used. Split form liability has three parts, each of which provide a distinct area of protection to covered policy holders. Split form auto insurance liability policies are divided into per person bodily injury liability, per accident bodily injury liability, and property damage liability. Each of these three areas of protection comes with its own limits of monetary coverage as well as its own deductible. The three parts of a Pennsylvania split form auto liability insurance each play a specific part in protecting you as a motorist and policy holder, but they all work together as a whole to give you total protection in the event of an at fault car accident.

Bodily injury per person protection is set aside to deal with the costs of responding to injuries sustained by a single victim. Whether that person was the other driver in the accident, a passenger in another car, or someone on a bicycle or on foot, the limit of the amount of money your PA auto insurance company will pay out to cover their medical expenses related to the accident is determined by the preset policy limit. As an insured policy holder, your only financial responsibility is to take care of your deductible. Once this obligation is met, your insurance provider will step in and take care of the remaining expenses up to the limit of the policy. This same pattern applies to all areas of Pennsylvania auto insurance. Your responsibility as a policy holder are generally limited to your deductible and any excess costs beyond the limits of your policy.

PA bodily injury per accident liability insurance works in much the same way as the per person coverage, except that it is set aside for accidents involving more than one injured victim. The difference is that this money must be divided among all injured parties. If you happen to get into a car accident involving a vehicle full of people and all of them require medical attention, the costs may challenge the limits of your policy. For these sorts of circumstances, it may be advisable to increase your limits beyond the Pennsylvania state minimums. In fact, most insurance professional advise doing just that. They generally recommend buying as much liability insurance as you can afford, since it is usually the least expensive part of your policy and the potential savings should an accident occur might be very significant.

The property damage liability portion of Pennsylvania auto liability policies is not split like the bodily injury portion. It is a single source of protection given out on a per accident basis. It is not limited to paying for damage to cars, either. If you happen to do damage to any other piece of property, like roads signs, fences or even a house or garage, your property damage liability policy would be the area to open a claim.

Elective Pennsylvania Auto Insurance Options

Simply having a solid Pennsylvania auto liability insurance plan in place gives you a good foundation of car insurance. But it is far from the only mode of protection you can buy in PA. If you have a newer car, you might want to invest in additional protection like comprehensive and collision coverage. These two areas of insurance are different than your liability policy in a few ways. First, they protect your own car from damage rather than providing coverage for damages to other drivers' automobiles. And second, these modes of coverage are not concerned with fault in an accident or loss situation. Whether you are at fault or not, your collision policy will pay out as needed. Some exceptions exist, such as malicious or intentional harm to your own car. In cases like this, your policy will not pay out, and in fact if you try to make this type of claim in PA, you could face some trouble for filing a fraudulent claim.

Collision insurance pays for damages sustained by your automobile in an accident, while comprehensive handles damages from non-accident events. Between these two areas of elective Pennsylvania car insurance coverage, you can protect your car in a wide range of circumstances. Still, it is important to note that comprehensive auto insurance does have limits and exclusions. For more detailed information, check the language of your policy or consult your PA auto insurance provider.

PA a Financial Responsibility State

Pennsylvania is a financial responsibility state as far as auto insurance is concerned. For state residents, this means you are expected to uphold your end of the bargain in terms of your responsibility for liability insurance. As previously noted, state residents are legally obligated to insure their vehicles against liability. But under financial responsibility law, those who can demonstrate the ability to self-insure according to state standards are allowed to do so in one of several acceptable ways. Each of them is a way to simply show that you have the financial solvency to meet state requirements for liability protection. Residents can purchase approved bonds or keep money on deposit. Specific rules and regulations are listed for the benefit of PA car owners in chapter 17 of the state's vehicle code [1].

Across the state of Pennsylvania, there are numerous drivers who could greatly benefit from gaining a fuller understanding of the basics of the state's auto insurance laws and standards. Pennsylvania is a wonderful state to live and work, and one full of interesting roadways and beautiful scenery. The joy of driving is as strong here as it might be anywhere else in the country.

Auto insurance liability protection is required for every driver here, and the split form liability policy represents a great foundation for protection for every insured policy holder. Drivers in state are free to add to this foundation as they wish with additional coverage expanding and strengthening the breadth of their policies. As a driver in Pennsylvania, you have the freedom to put together an auto insurance policy that reflects both your budgetary limits and your coverage priorities. Pennsylvania car insurance basics help you set those coverage priorities.

 

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