In Pennsylvania, drivers have to meet financial liability responsibility requirements.  You must have liability insurance or self-insurance to drive a vehicle.  We all know accidents are costly.  The Pennsylvania Department of Transportation wants to know its drivers will have the means of payments for expenses that occur.  Covering the costs of both vehicles and injuries that occur in most accidents with insurance coverage in the policy they chose.  There are many things to think about when it comes to car insurance.  Some insurance companies offer a single limit of $35,000, which meets the liability for bodily injury and property damage minimum requirements.

“Tort” a legal term meaning a private or civil wrong or injury which the law provides a remedy in the form of an action for damages.  You have choices of full tort or limited tort coverage for your car insurance policy.  The recommendation by most insurance companies is to choose the Full Tort coverage.  If an accident happens, you can bring a claim or ultimately file a lawsuit for injuries you have suffered.  Full Tort lets you collect fully, including for pain and suffering and other non-monetary damages.

Limited Tort policyholders involved in an accident can only recover very limited sums for injuries, but cannot collect anything at all unless doctors consider the injuries areserious.  It is not very clear by law what a serious injury means.  The Limited Tort choice will save you money on your monthly premiums.  However, this is the only good thing about it, so you should think about which choice is right for you.

You take a risk of an officer stopping you for any traffic violations and finding you are driving without insurance.  You receive a fine of at least $300.00 plus suspension of your driver’s license for a minimum of three months, from the time you purchase new insurance.

Additionally, there is athree-month suspension on your vehicle registration and your vehicle impounded.  While the vehicle registration is suspended, no one can drive your vehicle.  Then, restoration fees and proof of insurance must be sent before having either registration or driving privileges returned.

Making sure you have car insurance coverage from financial loss is important for you and your family.  Therefore, when you are checking the options you can choose from, you need to consider all of the protection and medical issues that could result from an accident.

Pennsylvania hasminimum required coverage that is liability coverage.  There are medical benefits for you and others that cover a minimum of $5,000.Bodily injury liability for medical and rehabilitation if someone is hurt in an accident that is your fault is also required.  This is to cover any damages if you are the cause of the accident.  The minimum is $15,000\30,000.  This means one person would be covered for up to $15,000 in medical expenses, but the maximum for an accident is $30,000 regardless of how many are injured.

Additionally, there is required property damage liability for the minimum of $5,000.  Ask your insurance agent for any further options he or she thinks you might need.  Make sure, when you are ready to sign your policy that you have read and understand everything.