Are the roads on your area safe? If you answered yes you might want to think again. According to an online report last April 5, 2010, 8 people were killed and 247 others injured in 561 crashes in Harrisburg, Pennsylvania. The report said that 4 of those killed were not wearing seat belts and 58 of the 561 crashes were alcohol-related. It also added that from April 2 to April 4 of the same year, the state police have issued 4,099 speeding citations, charged 340 people of drunk driving, cited 448 people not wearing seat belts, and ticketed 36 motorists for not securing children in safety seats. According to Commissioner Frank E. Pawlowski, the statistics only covered those crashes investigated by the state police and not the incidents to which other law-enforcement agencies responded.
Car accidents are inevitable. One good thing is that in Pennsylvania, all owners of motor vehicles are required by law to purchase and maintain automobile insurance. In addition to this, there are also numerous PENNSYLVANIA AUTO INSURANCE companies to choose from. According to Carinsurance.com there are 176 different auto insurance companies available in Pennsylvania.
Attorney Edgar Snyder of Edgar Snyder & Associates, a law firm representing injured people, said that PENNSYLVANIA AUTO INSURANCE laws are of the most confusing and complex in the country. In his series of blog posts, he gave some tips on how to improve the protection included in your auto insurance plan. The problem now is choosing the best PENNSYLVANIA AUTO INSURANCE companies and plans for you and your family.
A law firm in Pennsylvania has listed the most common coverage offered by insurance companies. These are: (1) Liability coverage; this is mandatory. If you met an accident and you are at fault, this type of coverage is available to compensate for the damage you have caused the injured party. The minimum amount required by law for you to purchase is $15,000.00 per individual and $30,000.00 per incident. (2) First Party Coverage; previously referred to as Personal Injury Protection or PIP. This means that whoever is at fault of the accident, if you need treatment, your medical bills will be paid through your PIP coverage. The law requires a coverage minimum of $5,000.00. (3) Collision Coverage; this one is optional and is purchased with deductible. You pay up to your deductible limit and the rest is covered by your insurance. If you are not at fault of the accident, your insurance company should demand your deductible back from the responsible party and then return it to you. (4) Comprehensive Coverage; this too is optional and is called “UM” coverage. This gives you protection if your car is stolen or damaged in any other way other than in an accident with another vehicle. This coverage also comes with a deductible contribution from you. Last but not the least, (5) Under-Insured Motorist Coverage; this is also known as “UIM” coverage. This coverage applies when you met an accident, is injured, not at fault, and the responsible party cannot adequately compensate for your injuries.
Auto insurance coverage will depend on your needs and preferences; it might be one or more of the above. Whatever insurance company, plan and coverage you choose; the most important thing is you make a choice for you and your family’s protection.