If you have a hard time understanding Pennsylvania car insurance minimums then you are not alone. Before you can understand each aspect of the numbers you have to understand what the purpose of them is. The minimum is set up to ensure that all drivers have insurance on their vehicles in the state. In order to legally drive, a driver must maintain these minimum insurance requirements at all times. The one thing to understand is that if you opt to only obtain the required coverage, you are opting for liability only. This means that if the accident is your fault, your damage is not covered. So what is covered under these minimums?

One of the key points of Pennsylvania car insurance minimums is the liability coverage for any injury caused to the people in the other car. The state law requires that you carry a specific amount of coverage for this. In other words, if the accident is your fault and the people in the other car are injured your insurance will pay up to a certain dollar amount. If you choose the minimum then your insurance company will pay $15,000 per person up to a maximum of $30,000 for injuries. If you opt for higher coverage then what your insurance pays will be determined by what coverage you select, but it will always be the minimum required by the state.

When looking at Pennsylvania car insurance minimums you should also take note of the minimum liability for any property damage. What this amount covers is the damage to the other vehicle. In essence, it is the amount that your insurance will pay to the other person for damage to their car if the accident was your fault. The minimum is $5,000. They will always pay this much. Your job is to decide if this is enough to cover potential damages should the unthinkable occur. If you don’t believe so, you might want to increase the coverage.

The third part to Pennsylvania car insurance minimums is the personal injury protection. This is the only amount that is geared towards your own impact from the accident. This is the amount that your insurance will cover for any reasonable medical costs incurred from the accident for you. The state has the minimum set at $5,000. If you feel that you want more protection than this amount you would want to increase your coverage amounts on your policy.

As you navigate the world of insurance you will be faced with whether to go with the Pennsylvania car insurance minimums or whether to increase the coverage. The decision should be made based on what could happen and how much you think you would need if it did. If you opt for minimum protection you will be covered legally, but if the cost of the damage exceeds the insurance you will likely be held responsible for the remainder. So take the time to understand and make an informed decision about what coverage you should choose for your car.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

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