It is very important for you to obtain Pennsylvania personal auto insurance if you plan to drive legally in the state of Pennsylvania. Like other states, you are required to have insurance when you drive because it protects you, your passengers, other drivers, and pedestrians from injury. Insurance also helps cover the cost of repairing property damage. Not having insurance can cost you a lot of money if you get into an accident, but even if you get caught without it you will have to pay a fine. It’s better, than, to just get insurance as soon as you can.
In the state of Pennsylvania, the requirements for Pa personal auto insurance are very simple. Basically, you will need to make sure that you are able to cover the cost of vehicle repairs and medical attention if you are the cause of an accident. These are known as Bodily Injury and Property Damage protection and are very common to most insurance plans across the country. The minimum amount required protection and the limits you can have could differ, however, from state to state. It is from this basic coverage that your premium is usually determined.
You can also elect to add supplemental coverage to your Pa personal auto insurance policy. In most cases, you should start with Personal Injury Protection, which adds extra coverage to your policy in case you are injured in an accident. This is usually recommended since some drivers are underinsured or do not have insurance at all. If you get into an accident with an underinsured driver, you might not be able to pay all of your medical expenses. With this additional coverage, though, the level of the other person’s insurance will not matter.
Having the right personal auto insurance policy is very important because Pennsylvania is a Tort state. In a Tort state, when there is an accident, the authorities will determine at least one party to be at fault who will then be responsible for repairs and damages for all other parties involved. Fault does not necessarily mean “guilt,” as not all accidents are caused by criminal negligence or mischief. In fact, many accidents are a result of distracted driving and even poor road conditions. In the end, though, one person will often be determined more at fault than the others involved.
Finding the right Pennsylvania personal auto insurance policy, though, can be quite an extensive process. If you don’t care what you pay or what services are included, you could very easily take the first offer you find. However, if you want the best deal for your money you need to investigate consumer reports and the Better Business Bureau. Ask people you know, as well as repair shops to see what the general experience is regarding many of the top national and local companies. You can then go online to get quotes from the companies that you believe will serve you best. Remember that every driver is different so prices will vary.