If you are a Pennsylvania driver you are required to carry bodily injury liability coverage, medical benefits coverage, and property damage liability coverage
Fault and the right to sue in Pennsylvania
Pennsylvania is a no-fault state. This means that your insurer will initially pay your medical expenses regardless of who caused the accident. That is the easy part. The less easy part is your choice between limited right to recover damages or full right to recover damages. If you decide to go for the limited option, your premium will be lower however you will not be able to sue an at-fault driver for pain and suffering, unless the injuries are severe.
With full right to recover damages, this allows you to sue for any expenses in addition to pain and suffering, which is considered "non-monetary" damage in car-insurance speak, after the accident. Selecting the full right to recover damages usually increases your premium.
No-fault does not apply to property damage. The driver at fault will typically be responsible for paying the damages, which is where property damage liability can come into play.
First party benefits medical coverage
‘First party’ refers to you and those that are covered by your insurance policy. First party benefits coverage offers financial protection if you are injured in an automobile accident, no matter whose fault it was. Your FBA can be used when paying for medical and dental treatments, hospitalization expenses, nursing services, and prostheses. Drivers in Pennsylvania are required by law to have at least $5,000 in FPB medical coverage.
All Pennsylvania auto insurance companies, including Robinson Insurance Group, may take the following into account when determining your auto insurance premium.
- Driving record
- Claim history
- The year, make, and model of your car
- Zip code where your car is parked in
- Your credit based insurance score
- Gender, age, and marital status
- Prior insurance history
- Length of time you've been licensed to drive
Drivers that are uninsured could potentially face the following punishments for their first conviction:
- Fine of at least $300
- Three month suspension of license and registration
- Vehicle impoundment
- Additional post suspension restoration fees for registration and license
Required auto insurance coverage in Pennsylvania
If you are a Pennsylvania driver you are required to carry bodily injury liability coverage, medical benefits coverage, and property damage liability coverage with the following limits:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per incident
- $5,000 for property damage liability per incident
- $5,000 medical benefits
If you are at fault in an accident, bodily injury liability can help towards medical expenses for those who were injured. Property damage liability helps cover damaged property or auto repairs that you are responsible for. Medical benefits coverage help pay for your medical expenses after an accident, regardless of whose fault it is. You can always select higher limits than what is legally required for additional protection in the event of a claim.