Auto Insurance Limits in Pennsylvania 

Are you shopping for auto insurance in Pennsylvania? Knowing the minimum requirements for Pennsylvania auto insurance is a good place to start. Simply choosing the lowest required auto policy limits may not be the best way to go about purchasing coverage, however, knowing state requirements will provide you with a solid foundation of auto insurance in PA. The most important factors to consider when getting ready to purchase a policy are: what types of auto coverages you’ll need and the auto insurance limits in Pennsylvania for each of those coverages. Doing your homework beforehand will help to ensure you get the coverage you need.

Here are the four basic auto insurance coverages and minimum limits for the state of PA:

• First Party Benefits: Medical Payments $5,000
• Bodily Injury (BI) Liability Coverage: $15,000 per person, $30,000 per accident
• Property Damage Liability Coverage: $5,000
Uninsured / Underinsured Motorists Coverage: $15,000 per person, $30,000 per accident

REQUIRED: First Party Benefits Medical Payments

The Commonwealth of Pennsylvania requires auto insurance coverage known as “First Party Benefits,” which provide many different types of medical benefits to you. There are several options to choose from under first party benefits coverage, however your Pennsylvania auto insurance limit must be at least $5,000. If you would like additional medical coverage or higher limits these options are available.

REQUIRED: Bodily Injury Liability Coverage

Liability coverage on an auto policy pays for the medical and rehabilitation expenses of an individual you have injured as a result of a car accident. The state minimum limits in Pennsylvania are $15,000 / $30,000. The $15,000 is the maximum coverage for injuries to one person, and the $30,000 would be the total maximum coverage limit for one accident. In other words, if you cause injury to multiple people in a car accident, the $30,000 limit would apply to the medical costs for everyone that sustained an injury.

REQUIRED: Property Damage Liability Coverage

When you’re involved in a car accident, and you’re at fault, property damage liability coverage will pay for damage to property owned by someone else. The auto insurance limit required in Pennsylvania is $5,000. This insurance limit will cover the damage to other cars, or structures such as telephone poles, fences or buildings.

OPTIONAL: Uninsured / Underinsured Motorists Coverage

Please do not be fooled by the fact that this coverage is optional. Although you can legally waive this coverage in Pennsylvania, it is highly recommended that drivers in PA have it on their policy to protect themselves and their passengers. When you consider the risk of not having uninsured / underinsured motorist’s coverage, and the cost of the annual premium to have it on your policy – it’s a no-brainer!

Uninsured: It’s unfortunate, but not everyone obeys the law. Uninsured Motorists coverage will protect you and your passengers if you are struck by an at-fault driver who does not have auto insurance or is unknown (hit and run). The minimum limits are $15,000 per person, and $30,000 per accident. It’s important to know that this coverage applies to bodily injury only, so it will not cover damage to property.

Underinsured: Underinsured motorist coverage is similar to uninsured coverage, however in this scenario we are talking about someone with insurance, just not enough to cover the medical cost incurred by you. You’re minding your own business traveling down a Pennsylvania road and you’re struck by another motorist! This time the driver of the other vehicle is legally insured, however the policy does not have adequate coverage to pay the medical costs. In this type of situation, the at-fault driver’s policy will cover the first $15,000 for medical costs per person, and/or the first $30,000 for the total medical costs associated with that accident. If the medical costs exceed these limits, then your own auto policy coverage will kick in. Again, the coverage only applies to bodily injury, and it will not cover property damage.

REQUIRED: Full Tort / Limited Tort

Although some form of tort coverage is required, as a driver in Pennsylvania it’s your choice to have full or limited tort auto coverage. Factors you may want to consider before making this coverage decision may include your financial budget and how many hours you spend driving on the road. The Tort option applies to Bodily Injury coverage and UM/UIM coverages.

Full Tort: According to Pennsylvania law, when you have selected “Full Tort” coverage on your auto policy, you have unrestricted rights to pursue legal action against another motorist who is deemed negligent and clearly at fault in a car accident that involves injuries to you.
Limited Tort: With limited tort coverage, you are still able to recover out-of-pocket medical expenses, but you will not be permitted to pursue other damages such as payments for “pain and suffering.” You may have already guessed, but the premium to have full tort coverage on your auto policy is higher than if you choose the limited tort option.

Peace of Mind

Before you put your key in the ignition, it’s important to take the time to consider the auto insurance limits that will protect you and your loved ones. If you have questions about Pennsylvania auto insurance coverage, or which insurance limits to have in place, a Plymouth Rock representative would be happy to help you choose the policy option that is best for you.

Read more information about who needs car insurance and actions that raise your insurance costs.  Learn more about no fault auto insurance and coverage if you are a teenager.

Plymouth Rock Assurance is a marketing name used by a group of separate companies that write and manage property and casualty insurance in multiple states. Insurance in Pennsylvania is underwritten by Palisades Insurance Company, Palisades Property and Casualty Insurance Company and High Point Preferred Insurance Company.

Call 855-993-4470, get your free quote online, or find an agent to learn more about auto insurance limits in PA uncovered. Visit our contact us page if you need to call us with additional questions.