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Drivers who carry full tort pay a higher pennsylvania auto insurance premium, but maintain unrestricted
rights to sue another party at fault in an accident; in limited tort, drivers
pay a lower pennsylvania auto insurance premium, but their right to sue is restricted to the recovery of
out-of-pocket medical expenses - drivers cannot sue for pain and suffering unless the injuries meet the standard of "seriousness."
With average pennsylvania auto insurance premium at around $909 in 2003, and the national average at around $914, most Pennsylvanians incorrectly assume that they have no choice but to accept these pennsylvania auto insurance rates fixed by pennsylvania car insurance companies and state regulatory agencies. We know there are cheap pennsylvania auto insurance rates available for you, and we will help you find the cheapest pennsylvania auto insurance quotes.
Pennsylvania does not require drivers to carry Uninsured or Underinsured Motorist Insurance, funeral expenses, income loss, or collision, or comprehensive. However, all these options are readily available from pennsylvania auto insurance insurers. In addition, drivers and Pennsylvania can choose one of two tort options: full tort, or limited tort.
The Commonwealth of Pennsylvania requires drivers to carry $15,000
of liability insurance to cover bodily injury claims to one person injured in
an accident, $30,000 to cover two or more persons injured in an accident, and
$5,000 to cover property damage caused in accident in which the driver is at fault. Some pennsylvania auto insurance companies consolidate this coverage into a single $35,000 limit
to meet both bodily injury and property damage liability requirements.
As the years go by, the pennsylvania auto insurance rates change, you might be paying more pennsylvania auto insurance premium than you need to. Just one year earlier, the average pennsylvania auto insurance premium in 2002 was about $872, that's an increase of about 4.24% in just one year!
Pennsylvania allows car insurance companies to calculate pennsylvania auto insurance premiums considering such factors as age, sex, and marital status of the driver, the area in which the
vehicle is driven, and the purpose to which the driver puts the vehicle. Individual pennsylvania auto insurance companies may offer pennsylvania auto insurance rate discounts to drivers on the basis of age, clean driving
records, passing a safe-driver course, and having a car equipped with airbags,
daytime running lights, anti-lock breaks, or other safety features.
Drivers are also required to carry Medical Benefits Insurance, which pays the medical costs of those involved in an accident regardless of fault. The state's
minimum for Medical Benefits Insurance if $5,000. Higher amounts for all these coverages are available and recommended, particularly if individuals have substantial assets they wish to protect.
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