All Pennsylvania motorists are required to have liability insurance on their car, but the true cost of Pa car insurance is far higher than that monthly payment.  It is the Law and without insurance, you will lose the privilege to drive.  The Department of Motor Vehicles requires written proof of insurance at the time of registering your vehicle.  Auto liability insurance only covers any property damage or injuries that occur in an accident.

The person responsible for the accident is the person liable and who must pay all costs related to the accident.  This includes damage to property, vehicles, and injuries to the victims of the accident.  Every owner of an auto, truck, van, or motorcycle must have at the least, liability insurance to cover these expenses.  Otherwise, they cannot drive, or allow anyone else to drive, their vehicle.  Without insurance, Pennsylvania will suspend the owner’s registration and driving privileges.  Additionally, they cannot even allow anyone else to drive their uninsured vehicle.

You need to consider having enough car insurance, regardless of the Pennsylvania minimum requirements.  The minimum requirements do not cover many of the extra costs that can run into thousands of dollars.  For example, you need enough coverage to protect your own family, and passengers as well as your assets.

While the mandatory of liability insurance meets the Pennsylvania laws, other coverage options are available for an additional fee.  You should talk to your insurance agent about some of the following to determine if any would help to meet your needs.

  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage
  • Income Loss Protection
  • Extraordinary Medical Coverage

Uninsured and Underinsured Motorist Coverage

Yes, unfortunately even with strong Pennsylvania laws, there are still drivers who have no insurance but continue to drive.  Adding this coverage to your policy will protect passengers including you and your family if you were in an accident.  This coverage does not protect against damage to property.

Income Loss Protection

This would include wages that are lost due to the injuries you sustain in an accident.  It also includes wages lost from long-term rehabilitation.

Extraordinary Medical Coverage

This coverage is vital.  It pays for extensive medical and rehabilitation expenses that exceed $100,000.  When multiple people sustain serious injuries in your vehicle, the medical expenses can easily exceed this limit.  While there is a maximum coverage of up to $1,000,000, not many accidents ever reach that amount.

There are other options, which you can add to your basic insurance policy.  Ask about any discounts, which you might be eligible to receive.  Discussing your budget will give you the information you need to make a wise decision about obtaining the best coverage for the least money.

However, keep in mind the true cost of car insurance in Pennsylvania is not having enough coverage to protect yourself from accidents, whether they are your fault or the other persons.  The best idea is to review all your options with your car insurance agent who knows what benefits will protect you in Pennsylvania.