PA Car Insurance: Recommended Coverages

To purchase PA car insurance, you must make many decisions. It can be a very confusing process.

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.

In addition to selecting a Tort option, there are only three other required PA car insurance coverages:

Bodily Injury Liability
Property Damage Liability
Medical Expense Benefits

Only the medical expense benefit actually pays out money for injuries to you or someone covered by your policy in the event of an accident. The other two required coverages pay money to others who were injured because you were at fault for the accident.

The chart below shows the minimum required PA car insurance coverage compared to what our law firm recommends for minimum car insurance coverage. Our recommendations provide coverage that protects you and those covered under your insurance policy.

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 Motorist	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 choosing our recommended coverages, you now have more insurance that benefits you and your family – 7 out of our 9 recommended coverages pay money to you in the event of an accident.

Purchasing only the minimum car insurance coverages 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 are ever injured in a car accident.

We understand that car insurance coverage can be a financial burden for many households; however, if you are able to carry even higher amounts of insurance coverage than the minimums we recommend, we suggest that you do.

You can change your insurance coverage options at any time. You don’t have to wait until you renew your policy to change your chosen options.