If you have a Pennsylvania vehicle, it helps to understand the various auto insurance requirements in the state. Below, Bridgeway Insurance Group discusses the state-mandated auto policies and the additional options that you can use while on the road, along with what they cover.
Property damage liability falls under the state’s compulsory auto insurance options. This policy covers expenses related to the repair costs of 3rd party vehicles and replacement costs when accidents result in substantial damage.
Bodily injury liability is another state-mandated auto insurance covering the medical costs of injuries arising during an accident. This coverage is designed only to protect other parties other than yourself when the accident is your fault.
This coverage may not be a requirement in the state but is essential auto insurance that protects when you get into an accident with an uninsured motorist or one whose insurance limits are insufficient to cover the damage expenses. Costs covered under this policy include repair and replacement expenses and hospital bills arising from any bodily injury harm you get.
Medical payment coverage protects you when you get a bodily injury during an accident. Passengers that also get injured in your vehicle are also covered by this policy, ensuring that all medical costs are taken care of.
This coverage is another additional auto insurance designed to cover property damage costs arising from incidents such as fires, hail, or vandalism. If your car is also stolen, comprehensive coverage will cater to the costs of your vehicle replacement.
Collision coverage caters to property damage arising from impact accidents. This can include head-on accidents with another vehicle or when you hit objects such as fences while driving.
Whether you are looking for additional coverage or need to get any of the mandatory policies, consider reaching out to Bridgeway Insurance Group. Our Pennsylvania agents will discuss options that suit your needs.