subject: Auto Insurance Deals in Pennsylvania [print this page] Auto Insurance Deals in Pennsylvania
These are indeed hard times and just about every single average American family are looking for ways on how they can stretch their budget. Unfortunately for many families, getting insurance for the vehicle is considered a non-priority. However, what many families, especially drivers should realize is that automobile insurance is a must. One must never go driving around unprotected. Getting your vehicle insured is a great way to protect your investment and it is a great way to make sure that you have your medical expenses covered in the unfortunate event that you figure in a road mishap. Most of all, it is important that you get your vehicle insured because it is what the law requires. Wherever you may be in the United States, automobile insurance is mandatory. In the state of Pennsylvania, not only is automobile insurance mandatory, the state also prescribes minimum coverage. Pennsylvania auto insurance laws require minimum liability coverage. This amounts to $15,000 for every person and $30,000 for every vehicular incident. Many refer to this provision as 15/30 and will help cover the costs of any injuries that the other party may have in the event of an accident. You can opt to get a coverage that is higher than what is required especially if you need to protect your other assets. This is because it is possible for the other party to pursue further claims against you especially if the other party is seriously injured. Liability coverage should cover bodily injury claims and you can opt to have additional coverage for property damage claims to cover the cost of repairs for the other party's vehicle.
Another requirement in Pennsylvania auto insurance regulations is the Personal Injury Protection coverage or what is commonly referred to as the PIP. This will allow insurance companies to pay for your medical expenses. The minimum requirement for Personal Injury Protection is $5000. Pennsylvania auto insurance laws follow a no-fault system. In Pennsylvania it does not matter really who is at fault for the accident, you will still have your medical bills covered through the PIP. In most cases, this amount should be more than adequate to make sure that your post-accident health care needs are covered. In the event that you happen to get involved in a very messy road mishap and may require extensive health care and medical attention, then it may be best to check on your health care insurance as well.
It is never a good idea to scrimp on automobile insurance especially if you are living in an area where there is a high incidence of car theft and vandalism. Highly urbanized areas are prone to these types of vehicular damages thus residents of downtown urban locations may need to pay more insurance coverage especially if they want comprehensive insurance coverage. Comprehensive coverage is also great and well worth every dollar spent if you have a car that is of the latest model. If you want to save on auto insurance quotes, compare rates and quotes from different auto insurance companies. At the same time, check out if discounts are being offered as well.
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