What is the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania?

August 24, 2009

http://www.ins.state.pa.us/ins/cwp/view.asp?a=1339&q=545100&pp=3#minimum

What is the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania?

The minimum required coverages in Pennsylvaniaare:

  • Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.
  • Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. You must buy coverage of at least $15,000/$30,000. The $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident.
  • Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. You must buy at least $5,000 of coverage.
  • Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.

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