Pennsylvania Car Insurance: Recommended Coverage

driving in the rain with recommended car insurance coverage

Choosing insurance coverage can be very confusing – there are so many decisions to make.

Our attorneys at Edgar Snyder & Associates know that Pennsylvania’s auto insurance laws can be complex, and we’ve used our 30+ years of experience helping car accident victims to give you our coverage recommendations.

Every person and every family is different and has different insurance needs. However, we’ve found that these recommendations may help you make better decisions to protect you and your family if you’re ever injured in a car accident.

Types of Coverage and Levels

First, you must choose to carry either Full Tort or Limited Tort on your policy. The tort option you choose will determine whether or not you can sue for pain and suffering for injuries in a car accident.

There are only three other types of required coverage in Pennsylvania. Click on the links to learn more about each of these types of coverage, what they are, and how they protect you after an accident:

The chart below shows the types of car insurance coverage required under Pennsylvania law, the minimums required, and our recommended minimums.

Pennsylvania Car Insurance Coverage Options & Recommendations

PA Car Insurance Coverage Options
Options	Minimum Required	Minimum Recommended
Tort Option	Limited	Full
Bodily Injury Liability	$15,000 per person $30,000 per occurrence	$100,000 per person $300,000 per occurrence
Medical Expense Benefit	$5,000	$10,000
Property Damage Liability	$5,000	$25,000
Income Loss	Not Required	$1,000 per month $5,000 in total coverage
Uninsured Motorist	Not Required	$100,000 per person $300,000 per occurrence
Underinsured Motorist	Not Required	$100,000 per person $300,000 per occurrence
Stacking of Limits for Uninsured/Underinsured Motorists	Not Required	Choosing stacking is essential to maximizing your family’s protection: $100,000 x the number of vehicles in the household
Funeral Benefit	Not Required	$1,500

By heeding our recommendations, you will have more insurance that benefits you and your family – 7 out of our 9 recommended coverages pay money to you if you’re in an accident.

Purchasing only the minimum car insurance required by Pennsylvania law may save you a few dollars on your policy payment. But, it could cost you thousands of dollars in terms of lost money if you’re ever injured in a car accident.

We understand that car insurance coverage can be a financial burden for many families. However, if you’re able to carry even higher amounts of insurance coverage than the minimums we recommend, we suggest that you do so.

Remember – you can change your insurance coverage options at any time. If you want to change your coverage, add more types of coverage, or if you have questions, contact your insurance agent.

Injured in a Car Accident? Get a Free Legal Evaluation

If you, or a loved one, were injured in a car accident, you probably are confused, frustrated, and overwhelmed. You may have dozens of questions, wonder what to do next, and want to know your legal rights.

Call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage for a free legal evaluation. We’ll tell you whether we think you have a case and answer your car accident legal questions. Our phones answer 24/7, and it’s important not to waste any time — evidence disappears quickly.