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 coverage can be very confusing. 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.
