Anyone who’s driving on the roads in Pennsylvania is required to have at least liability coverage on their vehicle. This insurance helps to protect the vehicle owner from financial devastation, but it also helps to protect others on the roadways.
Individuals who operate a vehicle without at least the required minimum insurance can face considerable penalties, including fines and a suspension of their driver’s license and the vehicle’s registration.
Coverage requirements
Pennsylvania sets minimum amounts for various types of coverage. It’s often possible to obtain higher limits, as well as additional types of coverage. These are the mandatory minimum coverages that are required:
- Property damage liability has a $5,000 minimum limit and covers damage to another person’s property.
- Bodily injury liability has a minimum limit of $15,000 per person and $30,000 per accident.
- Medical benefits have a minimum limit of $5,000 for the driver and others covered by the policy.
The type and limits of a driver’s insurance are important if they’re involved in a crash. Individuals who suffer an injury in a wreck will likely turn to the negligent driver’s insurance for compensation. This can include recovering the cost of medical care, lost wages and other financial damages.
Insurance companies may balk at having to provide full compensation. In some cases, the driver may not have had sufficient coverage. Because these are possible, victims may opt to seek legal representation to assist with recovering damages for the wreck. It’s critical to do this quickly because the time to do so is limited by state law.