If your car suffered serious damage or you were injured in a crash, you expect that insurance will cover your expenses. However, it isn’t always that simple.
Pennsylvania has a somewhat complex insurance program, and it’s important that you understand how much coverage you have available to you when you explore your right to compensation after a serious wreck.
What kind of insurance coverage is required for those who have vehicles registered in Pennsylvania?
Your policy has no-fault medical coverage
Every driver in Pennsylvania has to carry at least $5,000 of medical coverage on their auto insurance policy. This coverage protects them and any passengers in their vehicle who get hurt in a crash. Regardless of fault, this benefit will pay for the treatment people need after a collision.
Drivers also have to carry liability coverage
Given how expensive modern medical care can be, $5,000 worth of no-fault coverage may not pay for the medical treatment and possibly physical therapy you need after a wreck. The driver who caused your crash should also have liability coverage that can help protect you.
Pennsylvania currently requires $25,000 worth of property damage coverage and another $25,000 worth of bodily injury liability protection. Drivers usually have to carry at least $50,000 worth of bodily injury coverage for all parties involved.
Even with that higher level of insurance coverage, your losses could be far higher than insurance policies will cover. Knowing how much you can claim can be the first step in deciding if you need to take additional legal action if you have been in a serious collision.