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Pennsylvania’s No-Fault Car Insurance Laws and Coverage Requirements

Pennsylvania’s No-Fault Car Insurance Laws and Coverage Requirements

Pennsylvania is one of about a dozen states offering some form of no-fault car insurance. Through this arrangement, your own car insurance policy will pay out medical treatment costs and out-of-pocket losses suffered by anyone covered under the policy, up to the limits of the coverage. This occurs no matter who was at fault for a crash.

Although you can still go outside the no-fault system to file a claim against the at-fault driver, you can only do so if you have injuries or damages.

Pennsylvania does have a unique twist on this law. Vehicle owners have the option to basically opt out of the no-fault system when they purchase their car insurance. They do so when deciding on either a limited tort or full tort policy.

What sort of coverage does the state require?

Pennsylvania does still have some minimum coverage amounts if you are to drive legally in the state. These minimums include the following:

  • $5,000 worth of “medical benefits” coverage, which would pay for your medical bills or those of anyone else covered under your policy after an accident, regardless of fault
  • $15,000 bodily injury liability per injured person (if you cause the accident)
  • $30,000 total bodily injury liability per accident (if you cause the accident)
  • $5,000 per occurrence property damage protection (if you cause the accident)

The state also allows for some types of all-purpose policies if you have at least $35,000 in total coverage under the policy.

Remember: these are only minimum coverage amounts. Recommended amounts are higher. If you are responsible for an accident in which the other injured party’s losses exceed your policy limits, you could be personally responsible for paying the difference out of your own assets. That’s a situation you should take steps to avoid.

For further information on Pennsylvania’s car insurance laws and no-fault system, consult a skilled auto accident lawyer with Rudberg Law Offices, LLC. Call us at 412-488-6000 or contact us online today.