What are the minimum liability car insurance requirements do I need in Pennsylvania? This question is about How Much Car Insurance Do I Need?

What are the minimum liability car insurance requirements do I need in Pennsylvania?

Answer Question Report Abuse

This question is about How Much Car Insurance Do I Need?

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 05/18/23 This answer was first published on 05/18/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

The minimum liability car insurance requirements in Pennsylvania are $15,000 in bodily injury liability insurance per person ($30,000 per accident) and $5,000 in property damage liability insurance. These requirements can also be written as 15/30/5.

Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Pennsylvania will need to purchase $5,000 in medical benefits to satisfy the state's minimum car insurance requirements.

Types of Car Insurance Required in Pennsylvania

If Pennsylvania drivers do not purchase at least the minimum amounts of car insurance coverage required by Pennsylvania law, they can face penalties for driving without insurance.

Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely also need these types of insurance if your vehicle is financed.

To learn more, check out WalletHub's guides to how much car insurance you need and cheap car insurance in Pennsylvania.

Answer Question

How much liability insurance do I need?

You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.

When to Carry Only the Minimum Liability Coverage

Although almost every state requires drivers to carry liability insurance, the minimum coverage is not always enough to cover the cost of an accident. It’s always...

read full answer

Is uninsured motorist coverage required in Pennsylvania?

No, uninsured motorist coverage is not required in Pennsylvania, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $15,000 in uninsured motorist bodily injury coverage per person (up to $30,000 per accident).

Additionally, drivers have the option to purchase $15,000 in underinsured motorist bodily injury coverage per person (up to $30,000 per accident).

For Pennsylvania drivers who do not opt out by rejecting the coverage in writing, uninsured/underinsured...

read full answer

Is personal injury protection required in Pennsylvania?

Personal injury protection (PIP) is not required in Pennsylvania, though drivers are required to have at least $5,000 in medical benefits coverage to pay for medical expenses stemming from an accident. Medical benefits coverage is similar to PIP, since it covers medical costs regardless of fault.

Medical benefits coverage helps ensure that everyone on the road in Pennsylvania has some financial assistance for medical payments in the event of a collision. Drivers in all...

read full answer

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.