Pennsylvania
Car insurance Quotes and Information
In this article on PA
Auto Insurance Quotes we give you Everything you need in one spot
– the PA Laws, Online Quotes, links to the PA State Insurance website,links to
insurance dictionaries and articles on how to get the LOWEST possible car insurance
quote! We also give you valuable links for more information that you might need
to get the best deal on PA Car Insurance!
The PA Auto Insurance Laws
You can click on this link if you want to go to the Pennsylvania State department of Insurance Website to find
out more! The laws may have changed since we wrote this article on January
30th, 2012 so always double check to make sure! If you have questions, you can
email them at ra-in-consumer@pa.gov or
call their toll-free, automated hotline at 1-877-881-6388.Pennsylvania’s required coverages
When you purchase private passenger
automobile insurance, there are certain coverages that are required and others
that are optional.
There are 3 required coverages in
PA:
- 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 roll number 2 and
number 3 together and they offer a single limit of $35,000 which meets the
bodily injury liability and property damage liability minimum requirements.
In PA the Limited or Full Tort Car Insurance Choice is
Important!
- With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.
- 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).
Pennsylvania’s optional coverages
Uninsured Motorist (UM) — This coverage applies
to you, your family and your passengers for bodily injury if you are hit by an
at-fault uninsured motorist. This does not cover damage to property.
Underinsured Motorist (UIM) — Same as the above
except applies when the other motorist is under insured.
Stacking of UM or UIM — This is a way to increase the amount of UM or UIM that you have.
- It allows you to either Multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy or
- To receive uninsured or underinsured motorist coverage from more than one policy under which you are insured. It costs extra to stack uninsured or underinsured motorist coverage.
Funeral Benefit — This coverage pays a defined
amount of money for funeral expenses if you or a family member dies as a result
(not just in an auto accident but also as a result of) an auto accident.
Income Loss — This coverage pays a defined
amount of your lost wages if auto accident injuries keep you from working.
Collision — Even though this is “Optional” coverage
most banks require you to buy this coverage to receive a car loan.This coverage
pays to repair damage to your car as a result of an accident.
Collision Deductible – Under Pennsylvania law,
the insurance company automatically quotes and applies a $500 deductible unless
you request a lower amount. Generally speaking, the higher your deductible, the
lower your premium.
Comprehensive coverage — Again banks will
require this if you want a loan. This Coverage pays for theft or damage to your
car from things like fire, flood, vandalism or hitting a dear. Read the fine
print and know what they cover and what they don’t and what the deductible is!!
Extraordinary Medical Benefits — This coverage
pays for medical and rehabilitation expenses that exceed $100,000. It provides
a maximum of $1 million of coverage.
Rental reimbursement coverage — This pays for an individual’s expenses, up to the limit on their policy, to rent a vehicle if they have a covered comprehensive or collision loss.
Towing coverage — This coverage reimburses an individual, up to a set amount , for towing and labor costs for a covered disabled vehicle.
Gap coverage — This coverage pays the difference between an insurance company’s payment for a totaled vehicle and the balance of a vehicle loan.
Car Insurance Quotes PA – the best car insurance companies
OK you do not have to choose a PA insurance company!Some of the Best companies ARE the well known national companies – Geico, State Farm, Nationwide, Prudential etc. That is because they have the power of a national base of customers to offer more services often at a better price.
AND EVERYBODY has a bad story about some company so just because you here one does not mean that the entire company is bad.
The trick is to shop around and get 3 or more quotes.
A quote should NEVER cost you money. AND you do NOT have to rush and pay them right then before it expires! If they are a legitimate company they will offer you the same price and discounts the next day too!
Online Quotes
You can click on some of the ads on this page to get a free online quote!Remember to write everything down and compare at least 3 quotes to get the best deal. They can vary by hundreds of dollars a year between companies for the same coverage so SHOP AROUND!
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