Pennsylvania Auto Insurance – Types of Coverage

July 2, 2010 in first party benefits, no fault insurance, pennsylvania auto insurance, pennsylvania auto insurance policy

Are you looking for information with regards to Pennsylvania auto insurance? Well, if that is the case then you’ve found the right article. Here, you would be provided with information regarding the different types of coverage you might find in an average auto insurance policy. The first of which is what’s referred to as “First Party Benefits”. This coverage basically applies to you and all of your household members. Unlike other states, Pennsylvania’s “First Party Benefits” are actually the only “no fault” aspect of the coverage that is required by its laws.



This coverage is considered to be a primary one in the state of Pennsylvania and would pay long before any other insurance policy you have when you become injured as a result of an automobile accident. Medical expense coverage would be required, $5000 for each automobile that you insure on your policy. According to this policy, you and your family members would be covered for up to $5000 in terms of medical expenses each. Also, Pennsylvania auto insurance law actually requires the companies to offer clients up to $100,000 in terms of medical expenses coverage. For those who do not have any major insurance policies in their name, it would be advisable to get a higher limit when it comes to medical expense coverage.



Of course, automobile accidents can result in many different things. One of which would be the loss of income in the event that the person becomes unable to go back to work or has to stay in recovery for long periods of time. In cases such as these, income loss coverage would certainly come in handy. This type of coverage is not mandatory but it is very affordable. Just think about it, through this coverage, you would be able to protect potential lost wages in the even that you get injured. Again, this is also a “no fault” coverage and as such, regardless of who’s at fault, you would be paid by your insurance company. The limit for this can be as low as $5000 or as high as $100,000.



Another type of coverage would be the funeral benefit and accidental death coverage which are both available as add-ons to your existing policy. Both are not mandatory and are fairly inexpensive to add and as such, it should be something for you to consider. After all, life throws certain unpredictable curveballs that can really throw us off from time to time and if a few additional dollars could help us get through tough situations then it certainly is worth it. Last but not the least; we have the extraordinary medical expenses coverage. This would basically cover medical expenses that begin at $100,000 and go up to $1,000,000. If you intend to have this added to your policy then you should make sure that you have $100,000 on the medical expense part of your policy or you’ll certainly end up with a huge gap in your coverage.



So there you have it, just some of the different types of coverage that you can opt to add to your Pennsylvania auto insurance policy. Do read them thoroughly and research even further to find out if you need them or if you can skip them completely.