The issue of pa auto insurance is very important to the residents of the state of Pennsylvania. Not only is this so because it is required by law and the repercussions of disobeying are extensive, but also because it keeps people safe. Due to the hefty fines that one can get due to poor driving, most people have opted to be better drivers and thus ensuring their own, and the safety of others while on the road. There are different types of auto insurance policies offered in the state of Pennsylvania. Many people know of only four. They are all discussed below.
The first and mandatory car insurance cover in PA is the auto liability cover. This cover states that you are legally bound to pay for the damage to any vehicle that is involved in an accident that you caused. This does not only include the vehicle but also injured individuals and even property. It will also pay for the legal fees of courts and such like fees.
The second insurance cover that you can purchase is the first party insurance cover. This insurance cover says that the second party, which is the insurance company, will pay you some money if you have been involved in an accident or injury. You might also get the third party insurance cover which will protect you from law suits that might be aimed towards the second party by a third party.
You might also need to get the Personal injury coverage. This cover will take care of your medical bills if you are hurt during an accident. The contents of this cover might vary from one company to another. They generally involve paying the medical bills, replacing lost earnings and even funeral expenses. The price of the premiums might also vary depend on what is entailed in the cover.
Most people also have the comprehensive insurance cover added to their policies. This is the cover that will help you when other things apart from car collision accidents destroy your car. It covers things like burglary, fire and even floods.
Other people get more insurance covers like the uninsured motorist cover in order to further protect themselves. This is the insurance cover that will help you if you are involved in an accident with an uninsured motorist.
There are pennsylvania auto insurance companies that have more insurance covers that you can choose from. Whatever the case is, ensure that you pick a cover that suits you best at that time.