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Pennsylvania Car Insurance

driving in the rain with recommended car insurance coverage

Information About Pennsylvania Car Insurance Coverage

Choosing the right insurance coverage can feel like a tightrope act. You want something that's both affordable and will protect you in case of an accident. It's tricky to strike the perfect balance, and, all too often, drivers end up underinsured just to save a few bucks.

Without the right coverage, a car accident can leave you paying the bill, even if it wasn't your fault. We know that every driver's situation is different, but we've come up with some recommendations for basic coverage that all drivers should have on their policy.

If you've been hurt in a car accident, contact our legal professionals at 1-866-9-4EDGAR (1-866-943-3427) or fill out our free online legal evaluation in the top right corner. We'll review your case for free, answer your legal questions, and fight to recover the compensation you deserve.

Choosing the Right Coverage

One of the first choices you'll make when deciding on your car insurance policy will be choosing Full Tort or Limited Tort. This will determine whether you're able to sue for pain and suffering – Full Tort – or not sue for pain and suffering – Limited Tort.

Beyond Full Tort and Limited Tort, there are three other types of required coverage in Pennsylvania. They include:

  • Bodily Injury Liability – This protects you if a person files a claim against you after you're found responsible for the accident that injured them.
  • Property Damage Liability – This pays for any damage done to another person's property when you are found at fault for the accident.
  • Medical Expense Benefits – This pays for the medical bills of you and anyone else covered through your insurance policy.

Uninsured and Underinsured Motorist Coverage

Uninsured and Underinsured Motorist (UM/UIM) coverage is optional but strongly recommended for your policy. It protects you against drivers without insurance or with limited coverage that won't pay all your expenses.

It's important to know that UM/UIM coverage protects you and your loved ones – not the other driver. Insurance companies can make it hard to understand what exactly this coverage does for you, hoping you'll waive it for a lower monthly premium. Without Uninsured and Underinsured Motorist coverage, you could end up owing money after an accident – even if you weren't responsible.

Recommended Insurance Coverage for Pennsylvania Drivers

PA Car Insurance Coverage Options


Minimum Required

Minimum Recommended

Tort Option



Bodily Injury Liability

$15,000 per person
$30,000 per occurrence

$100,000 per person
$300,000 per occurrence

Medical Expense Benefit



Property Damage Liability



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


The recommendations listed above will increase your coverage and protect you against damages that could cost you thousands of dollars. In the United States, over 6 million car accidents happen in a given year. It's best to cover yourself – and your loved ones – by purchasing the right coverage on your insurance policy.

If You've Been Injured, Call Us Now

We can help you recover the money, and peace of mind, you deserve. Our experienced attorneys are ready to get to work for you. We're available 24 hours a day, 7 days a week. Contact us at 1-866-9-4EDGAR (1-866-943-3427) or fill out our free online legal evaluation located in the top right corner.

We'll cover your upfront costs, handle the insurance company hassles, and fight to recover the compensation you deserve for your injuries. Call us for a free case review today. There's no fee and no obligation to use our services. If you hire our law firm, you won't pay us anything unless we win your case. That's our guarantee.

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 company representative.
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