PA Auto Insurance: Collision & Comprehensive
Required minimum coverage under Pennsylvania law:
- not required
- usually required by most banks who hold the title to your vehicle when you have an outstanding loan
Our law firm's recommended minimum coverage:
- If you hold the title to your car, you may consider dropping collision and/or comprehensive coverage on older cars worth less than $1,000.
Collision insurance and comprehensive insurance are Many people see "Comprehensive Insurance" on their car insurance policy and think they have "full coverage". Most don't. In reality, comprehensive coverage pays for damages caused by "acts of God" - e.g. lightening strikes or hitting a deer. It goes hand in hand with your collision insurance which pays for damages to your vehicle if you are hit by another car, your car overturns, you back into a pole, etc. Remember: Comprehensive insurance does not mean you are "fully" covered.
Pennsylvania collision insurance
Your car insurance company
pays for damage to your car that results from a collision or from
overturning.
Pennsylvania comprehensive insurance
Your car insurance
company pays for damages when your car is stolen or damaged by fire,
flood, hail, or other perils.
Hurt in a Car Accident? Contact Us Now For a Free Evaluation of Your Legal Case.
Call us toll-free at 1-866-943-3427 or get online legal help, and we'll give you a free evaluation of your claim.
This guide is NOT a complete summary of the Pennsylvania Auto
Insurance Law. It is designed to highlight certain important features
of this law and should not be considered legal advice. Everyone has
different insurance needs. If you have any questions concerning your
coverage, please contact your insurance agent. Pennsylvania's Auto
Insurance Law was patterned after a similar law in Michigan. Because
our law is still relatively new, we refer to Michigan case law for
some of the examples used in this Consumer Guide.
2001, Edgar Snyder &Associates, Pittsburgh PA
All rights
reserved.
