Auto Insurance in Pennsylvania
The auto insurance laws cover both medical benefits coverage and liability coverage in Pennsylvania. According to Pennsylvania law, all drivers should have medical benefit coverage and liability car insurance. The Shay Insurance group in Wilkes-Barre, PA can help you understand these laws a little better. Here is a description of this type coverage:
Medical benefits (no-fault)
The insurance provider is expected to help cater for medical bills for both parties regardless of the driver at fault. The reason the policy is no-fault is to reduce the number of lawsuits from accidents. There are two tort options with the insurance.
Limited tort option allows you to sue for medical costs but limits the right to sue for any pain and suffering. You can only sue if the injuries sustained in the accident are severe.
The full tort option allows you to sue fully for both medical costs and pain and suffering. However, this option is more expensive than the limited coverage.
Even in a no-fault state, you are required to get liability insurance to cover medical costs for victims and any property damage resulting from the accident.
Even with the minimum insurance requirements in Pennsylvania, you still have the option to get additional protection. Here is some additional coverage you can get:
Collision coverage- pays for damage to your car from an accident
Comprehensive coverage- covers any damage that results from incidents not accident related like vandalism. Although comprehensive and collision covers are not mandatory, it is required if your car is leased or financed.
Uninsured coverage- covers medical expenses in the case of accidents caused by uninsured drivers
Underinsured coverage- caters for medical expenses in case of accidents caused by underinsured drivers.
You can use the online rating tool available on our website for quotes on home or auto insurance or you can also call and visit The Shay Agency in Wilkes-Barre, PA for more information on car insurance. We will help you with your new policy and answer any question you may have in detail.