Large outdoor fountain in front of Philadelphia skyline during Summer

No Fault Auto Insurance in Pennsylvania - Plymouth Rock Assurance

No fault auto insurance may be a necessary investment for you. This coverage helps pay for your medical bills if you are hurt in a car accident. Unlike other forms of car insurance, fault does not play a role in this process. No fault car insurance, also known as personal injury protection, or PIP, is an important investment for many individuals.

Are You Required to Maintain No-Fault Insurance?

The answer to this question depends on where you live. For those who live in Pennsylvania, it is a requirement to maintain a no-fault insurance policy. Your auto insurance agent can help you to obtain this coverage.

Why Do You Need No-Fault Insurance?

No fault auto insurance is a newer form of insurance. It has been around since the 1970's but states have passed legislation since that time to make it a requirement. The benefit here is that it does not require someone to be named at fault for the incident. Even in states where no-fault insurance is not a requirement, there are a significant number of lawsuits and legal battles over who is at fault. And, as such, it increases costs and limits court availability.

However, from the perspective of a vehicle owner, no-fault insurance offers benefits to you too. When an accident occurs, it is often the medical bills incurred that cost the most. These are often haggled over in courts for years. No fault eliminates this. It helps to cover the medical and hospital bills for yourself and any passengers in your vehicle that suffer an injury as a result of a car accident. In total, this type of insurance can cover most medical-related losses you may experience after such an accident. This includes:

  • Lost income that stems from missing time at work due to medical reasons such as injury recovery or hospital stays.
  • In the event of the death of a person in the vehicle, no-fault insurance may also cover funeral expenses.

Policies and requirements differ from state-to-state. However, most people will find this type of financial tool is essential to protecting yourself in the long term.No fault insurance does not cover collisions or damage to your vehicle in any way. It does not cover damage to another party’s property. It also does not cover medical bills related to other drivers. No fault insurance does not cover any expense that exceeds your policy limits.

How to Buy No-Fault Car Insurance

Every driver should consider the benefits of no-fault especially if they live in an area requiring it. However, policies differ. All policies have an upper limit. This is the most the policy will pay out for a claim you make. The state requirements tend to be on the lower side. This means many people need to purchase additional amounts beyond what the state minimum is.

Keeping this in mind, consider the options available to you from your auto insurance company. This type of insurance can be purchased with other types of car insurance coverage including liability insurance, collision insurance, and comprehensive coverage.  By bundling your auto with your home insurance needs, you could save substantially.

Call 855-993-4470, get your free quote online, or find an agent to learn more about no fault auto insurance in Pennsylvania. Visit our contact us page if you need to call us with additional questions.