The Pennsylvania auto insurance requirements stipulated by law are:

Medical Benefits — The minimum limit is $5,000 of coverage. This pays medical bills for you and others who are covered by your policy, regardless of fault.

Bodily Injury — The minimum limit is $15,000 per person/$30,000 total per accident. If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable.

Property Damage Liability — The minimum limit is $5,000 of coverage. If you damage someone’s property in an accident and you are at fault, this coverage pays for it. (Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.)

Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering – unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.

Please note that these are minimums required by Pennsylvania state law, not suggested coverage amounts. The simple fact is, each state’s minimum requirements are typically inadequate to sufficiently cover your costs should you be involved in a major accident. The shortfall will have to be made up out of your own pocket. Obviously, having to pay this difference could easily destroy one financially. Therefore, it is highly recommended to get much higher coverage amounts. Consult pages elsewhere on this site for recommendations in this regard.

Pennsylvania Auto Insurance Requirements – More Information

For more information regarding auto insurance requirements in Pennsylvania, contact the state’s insurance regulatory agency:

PENNSYLVANIA – DEPARTMENT OF INSURANCE

1209 Strawberry Square
Harrisburg, PA 17120 United States
Phone: 717-787-2317
FAX: 717-787-8585
Web: http://www.ins.state.pa.us/ins/site/default.asp
Description: Randolph Rohrbaugh, Acting Insurance Commissioner

Note that this information, like all information provided on this site, is provided for as a general guide and is for reference purposes only and should in no way be considered legal advice. Contact the appropriate regulatory agency for the state in question for definitive answers that apply to that state.