The Scoop on Pennsylvania Car Insurance

If you drive the highways and byways of Pennsylvania, you have most likely either witnessed or experienced a traffic accident. Of course, you surely also understand the damages that can be caused and the need for the drivers of our lovely state to maintain the proper car insurance coverage. While we all want to enjoy the lovely scenery, we also want to know that we are safe driving the roads of our state. For this reason, Pennsylvania requires a few things of every driver that has a vehicle registered in the state.

All states require some kind of liability insurance for drivers. The only variations are generally in exactly what kinds of coverage is stipulated and in what amounts. There is a also a bit of a difference in what is suitable for proving that the driver is responsible for damages. While some states only accept car insurance as proof of financial responsibility, other states allow alternative means. In Pennsylvania, drivers must provide liability protection for medical expenses, bodily injury and property damages in the amounts of $5,000, $15,000/30,000 and $5,000 respectively. Or, drivers can choose a policy that covers $35,000 in total liability coverage and still be okay under the law. Also, Pennsylvania is a state that will allow a driver to self insure. However, doing so requires at least a $50,000 deposit in cash or bonds, so most drivers in the state choose to use an insurance plan.

While most states are designated as at fault or tort states, Pennsylvania is unique in this aspect. As a car insurance customer, you have the option of choosing the level of legislation you want to be able to use in the event of an accident. If you choose a plan with limited tort, your premiums will be lower, but you will be unable to sue for additional damages above and beyond the plan of the at fault driver. However, the restriction is lifted if serious disability or death occurs. For an additional cost, your plan can state that you have full tort power, allowing you to sue the driver for complete compensation.