Helping you get the required auto coverage in PA
Bodily Injury Liability
This is the coverage you need if you injure someone in an auto accident. It pays for their medical and rehabilitation expenses and damages for which you are liable. For you, it's all about protection in case you are sued. The minimum is $15,000 per person or $30,000 per accident. Higher limits are available, but basically, those are the minimum amounts required by Pennsylvania law.
No matter who is at fault in the accident, this pays for the medical benefits for you and your family when involved in an accident. For this, there is a $5,000 minimum, which is the amount in medical expenses the policy would first payout. This will happen even if you have medical insurance. Higher coverage limits are also available.
Property Damage Liability
If there is property damage caused by you in an accident, this coverage would take care of that. The minimum limit is $5,000.
Uninsured and Underinsured Motorist Coverage
If the person that hurt you only had the minimum Bodily Liability coverage, which is required under state law, this will provide additional coverage to you and your family.
Stacking of UM and UIM
Combing these two are an option, but you need to choose to have both before you can do it. This allows you to increase your UM and UIM limits by how many cars you have covered in your policy. For example, a $10,000 per person and $20,000 per accident policy increases to $20,000 per person and $40,000 per accident if you decide to stack them.
Should you or a family member pass away as a result of an auto accident, this policy will pay up to $2,500. This is an optional coverage that carries an extra expense or premium.
When the injuries you sustain in an auto accident prevent you from working, this will pay your wages to the limit established. This is an optional coverage that carries an extra expense or premium.
Extraordinary Medical Benefits
Your medical bills and rehab expenses will be paid for if they go over $100,000. The maximum is listed at $1 million. This is an optional coverage that carries an extra expense or premium.
When your car is damaged in an auto accident, this benefit will pay to fix it. Lenders tend to require this in order to buy a car from them. To help with the overall cost, you're generally required to pay a deductible before repairs can begin. A typical deductible price is $500, but it can be lower. Lower deductibles make your premium higher while higher deductibles will lower your premium. This is also an optional coverage that requires additional premium to be paid.
If your car needs to be repaired for a reason other than an accident, you will be covered. Examples include fire, theft, vandalism, flood and striking of an animal. Like Collision Coverage, a deductible is required. This is also an optional coverage that requires additional premium to be paid.
At PA Auto Insurance Outlet, you can definitely get instant coverage in Philadelphia.