Pennsylvania Auto Liability Insurance
Pennsylvania Auto Liability Insurance
Pennsylvania Auto Liability InsuranceAs a driver or vehicle owner in Pennsylvania, you should be covered by a car insurance policy. According to state regulations, an insurance coverage is one of the requirements that a driver should present in order to get his or her vehicle registered. Hence, it is necessary that all drivers must be educated on the different auto insurance coverage or issues. So if you are one of those drivers or vehicle owners in the Keystone state, this article is for you.
Pennsylvania auto insurance state laws stipulate a vehicle code which calls for all drivers to keep liability insurance for their vehicles. They make use of a split form liability model which is further divided into three parts - bodily injury liability per person, bodily injury liability per accident and property damage liability. Every area of protection is offered with a specific limit of monetary coverage. Each of these also offers a unique kind of protection to their policy holders; however, during incidents of an at-fault car mishap, they are all combined to give total protection to the insured person as a motorist and policy holder.
The first kind, bodily injury per person protection, is used when dealing with the expenses caused by the medical treatment of a single victim. Whether the injured person was the other driver or passenger in the accident, or someone who is walking or riding a bicycle, the minimum amount covered by your Pennsylvania auto insurance policy will be used to pay for all the medical expenses of the other party. As the policy holder, however, you are only financially responsible for your deductible because the insurance provider will be the one in-charge of the remaining balance.
Bodily injury per accident policy is much like the first; however, instead of just a single person, the other injured parties are covered by the insurance. The minimum amount covered by this type will also be divided among all the parties involved in the accident. So, for instance, if you caused a collision with a vehicle filled with passengers and all of them need medical treatment, the expenses may be challenging for your insurance policy limits.
Hence, it is highly recommended that you do not just settle for the state's minimum coverage. You should increase your limits since the potential savings that you create will be very significant in the event when more than one person is involved in the accident.
The property damage liability part of your Pennsylvania auto insurance policy is the only source of protection extended on the basis of per accident system. This type is not just limited to making payments for damaged cars but also for the other pieces of properties that you caused damaged to. So if you happen to cause damage to any road signs, garage, fences or even a house, this area of protection in your auto liability insurance policy will be the one to claim.
These are some of the coverage of an auto insurance liability policy. If a driver fails to conform, there are corresponding punishments stipulated in state regulations as well.