Auto Insurance Coverage in PA - Plymouth Rock

If you’re looking for the best insurance value, the first step is to fully understand your Pennsylvania auto coverage and policy options. Knowing the ins and outs can help you get all of the insurance you need, while helping you avoid purchasing too much and overspending.

Plymouth Rock Assurance provides all of the guidance and support you need to customize your insurance policy to fit your budget and needs.

State-Required Auto Insurance in Pennsylvania

Pennsylvania requires all drivers to have certain insurance coverages at minimum levels, including bodily injury, property damage and first party benefits. Yes, it can be confusing. So, here’s what all that means (and the minimum limits you’re required to have):

•    Bodily injury helps to protect you against liability if you’re held legally responsible for causing injury or death to someone while operating your vehicle. The minimum requirement is $15,000 per person, $30,000 per accident.

•    First party benefits helps to pay for medical expenses after an accident in which you or your family members are injured, regardless of fault. “First party” is really just a fancy way of saying that these benefits are for your injuries. These benefits also apply if your or your family member is injured as a passenger in another person’s car or hit by a car while walking or bicycling. The minimum limit is $5,000.

•    Property damage liability pays if you are held legally responsible for damaging another person's property while driving. The minimum legal requirement is $5,000.
While purchasing these required Pennsylvania auto coverages will ensure you comply with state insurance laws, you may find it’s smart to purchase higher limits and optional coverages that will protect you even more.

Additional Auto Insurance Coverage in Pennsylvania

The legally required coverages in Pennsylvania don’t provide any coverage for your car. Without additional coverages, you’re not insured if your car is stolen, if you have damage from hitting a deer or if you have injuries caused by a driver with little or no insurance. Here are just some additional coverage options to consider.

Underinsured/uninsured motorist insurance helps to cover your medical bills if you’re in an accident caused by another driver with little or no insurance.

Collision insurance helps to pay for damage to your car if the accident is a collision between your car and another physical object (like a parking lot light pole or another car). Despite its name, it does not cover damage from striking an animal. That’s usually covered by comprehensive insurance (now you know).

Comprehensive coverage helps to pay for damage to your car caused by something other than a collision. That can include things like fire, flood, theft, vandalism or a collision with an animal.

Substitute transportation, aka rental coverage, reimburses you for the cost of renting a car or other substitute transportation up to your selected limits if your car is damaged in a covered loss.

Customize Your Policy Now

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

 

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.