Each state has its own laws and reservations about automobile usage.  Pennsylvania car insurance rates are some of the lowest in the nation due to the strict state requirements for automobile servicing in order to keep a car registration.  As such, it is possible to get affordable insurance, but not if you want to use it to cover someone else’s vehicle.  There are several types of insurance but they are only available for your own car.  You cannot insure another person’s car in Pennsylvania.


Just like any other state, car insurance in PA is mandatory.  There are no situations in which it is legal to operate a motor vehicle if the vehicle is not covered by some sort of insurance.  There are several different types of coverage options for a vehicle, however, and each are acceptable for legal purposes.  Different auto companies or insurance lawyers can suggest which type is best, but as long as you have a single type you are fit to drive anywhere in the state.  Liability coverage will protect your property in the event that you are in an auto accident and have any type of claim brought against you.  PA car insurance laws dictate that you must have a minimum of $15,000 of coverage.  This will not cover much in the case of a serious accident (such as the cost of a vehicle and medical bills) but is more than enough for a fender-bender or broken windshield.  This must be purchased for your auto.  It cannot be purchased by someone else to cover your car.


Full tort coverage is automatically included in Pennsylvania car insurance rates unless the individual declares they want to waive it.  This coverage allows any resident to put in a claim against a responsible party if they have been injured in an accident.  If they do not have this coverage, they cannot make any type of legal claim without serious medical injuries.  Limited tort insurance is available and will cost less, but is not recommended due to the lack of ability to protect a person after an accident.  This cannot be provided by a third party; the policy must be in your own name.


Uninsured motorist coverage is another type of insurance that can be waived if a person wants minimal coverage, but if it is waived it is not possible for a party to make a claim when they have been hit or injured by an uninsured party.  The severity of the injuries will not matter; you have to have this coverage if you want to bring a claim against an uninsured motorist.  It is not possible for someone else to insure an auto that they do not own for uninsured motorist coverage.


A final insurance policy is wage loss coverage, the damages from not being able to work as a result of an automobile accident.  This, like all other types of PA insurance, that cannot be covered by a third party.  A person must have individual coverage for their own wages and must put in their own claim for work-related losses