Understanding Auto Insurance Coverage in Pennsylvania
Pennsylvania is a choice no-fault state, meaning drivers must choose between limited tort and full tort coverage when purchasing auto insurance. This decision has significant implications for your legal rights after an accident. The Pennsylvania Insurance Department provides detailed guidance on coverage requirements for all PA drivers.
Auto insurance terminology can be confusing, but understanding the different types of coverage is essential for making informed decisions. This guide breaks down each coverage type in plain English.
Pennsylvania's Minimum Required Coverage
Pennsylvania law requires minimum liability coverage of 15/30/5: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage. You are also required to carry $5,000 in Medical Benefits coverage. Review the full requirements on the PA Insurance Department's minimum coverage page.
Collision Coverage
Collision coverage pays to repair or replace your vehicle after an accident, regardless of who was at fault. If you have a car loan or lease, your lender will require collision coverage. Deductibles typically range from $250 to $1,000 — higher deductibles mean lower premiums but more out-of-pocket cost if you have an accident.
Comprehensive Coverage
Comprehensive coverage protects against damage not caused by a collision — including theft, vandalism, fire, flood, hail, and animal strikes. Pennsylvania's deer population makes comprehensive coverage particularly valuable throughout Bucks County. According to PennDOT's animal-vehicle crash data, deer collisions are a significant risk on PA roads.
Uninsured and Underinsured Motorist Coverage
Despite Pennsylvania's insurance requirements, many drivers on the road are uninsured or carry only minimum coverage. Uninsured motorist coverage protects you if you are hit by a driver with no insurance. Underinsured motorist coverage kicks in when the at-fault driver's insurance is insufficient to cover your damages.
Limited Tort vs. Full Tort
Limited tort restricts your right to sue for pain and suffering unless you suffer a serious injury as defined by Pennsylvania law. Full tort preserves your right to sue for any injury. Limited tort premiums are typically 10–15% lower, but the savings may not be worth the restriction on your legal rights. The PA Insurance Department's tort options guide explains the differences in detail.
How to Get the Right Coverage at the Best Price
At Jordan's Auto Tags in Croydon, PA, we work with multiple carriers to find the right coverage at the best price for drivers throughout Bensalem, Levittown, Bristol, Burlington, and Bucks County. Walk in at 721 Bristol Pike or call (215) 826-9890 — no appointment needed.