Before you purchase auto insurance in Pennsylvania, you need to find out more about the required coverage. Minimum limits set for the state include the following:
* Bodily injury: $15,000 for each person and $30,000 for each accident
* Property damage: $5,000
* Uninsured/underinsured motorist: $15,000 for each person and $30,000 per accident for each of the coverages
* Medical payments or first-party benefits: $5,000
When opting for minimum coverage for automobile insurance in Lancaster, PA, you can request to opt out of the uninsured and underinsured coverages. Otherwise, the above-listed amounts are required to be purchased in order to drive in the state.
Limited and Full Tort Protection
Also, when you carry automobile insurance in Pennsylvania, you have the choice of selecting limited tort or full tort insurance. Limited tort plans restrict you from suing another driver for pain and suffering. So, if you want coverage that is more comprehensive, you should choose a full tort insurance plan.
When taking out automobile insurance, you may also have to check on coverage for any teen drivers in your household. Because a teen can obtain a learner’s permit at the age of 16 years old, you need to review the driving restrictions for young teens as well as what kind of coverage will best suit your needs. For example, teens who are 16 years old cannot drive between the hours of 11:00 pm and 5:00 am. So, you need to be aware of the restrictions while reviewing insurance plans.
Driving without Insurance Is Not Smart
If you do not take out automobile insurance and you are stopped by the police, you stand the chance of having your vehicle registration, driver’s license, and license plate suspended for a three-month period.
So, if you currently need to buy auto insurance, review the available offerings online. Visit us website for further information about insurance products that are designed for personal and business use. Make sure you have the coverage you need so you are protected legally and financially.
