Auto Insurance in Pennsylvania

Should you be at fault in an accident, property liability pays to fix another driver's car or other property you damage. And bodily liability deals with the injuries that you cause. It also handles your legal defense in the event of a lawsuit. Adequate protection for your auto insurance in Pennsylvania requires more than the state's minimum liability amounts. Sufficient property liability is at least $50,000 and for bodily liability, you should have a minimum of $100,000 per person.

If you're in an accident caused by a driver with insufficient insurance, you need uninsured or underinsured driver coverage. It's not required coverage for auto insurance in Pennsylvania but it's relatively cheap to get a recommended $50,000 protection.

Collision and comprehensive protection cover damage or loss of your car from an accident or other causes. The main factor in the price of this part of auto insurance in Pennsylvania is the size of the deductible. You'll save money overall if you get a deductible of $500 or more.

The medical portion of auto insurance in Pennsylvania is for treatment of the injuries of you and your passengers when in an accident. The coverage is similar to the protection of a health or medical plan, so most people don't need it. But even if you don't need the coverage, you may decide to carry some as protection for any of your uninsured passengers.