Pennsylvania drivers are required to carry bodily injury liability coverage, property damage liability coverage, and medical benefits coverage with at least the following limits:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 for property damage liability coverage
- $5,000 medical benefits coverage (unless Combined First Party Benefits coverage is on your policy)
Bodily injury liability can help cover medical expenses for those injured in an accident you cause. Property damage liability helps cover damaged property or car repairs (not including your own car) that you're responsible for. And medical benefits coverage can help pay for your medical expenses after an accident, regardless of fault.
When you choose coverages on your Pennsylvania car insurance policy, you can select higher limits than what's legally required for more financial protection in the event of a claim.
How fault and the right to sue work in Pennsylvania
Pennsylvania is a no-fault state, which means that your insurer will initially help pay your medical expenses regardless of who caused the accident. That part's simple.
Less simple is your choice between limited right to recover damages and full right to recover damages. If you select the limited option, your premium will likely be lower but you won't be able to sue an at-fault driver for pain and suffering unless the injuries reach a certain severity.
Full right to recover damages allows you to sue for any post-accident expenses plus pain and suffering, which is considered "non-monetary" damage in car-insurance speak. Selecting the full right to recover damages typically increases your premium.
No-fault doesn't apply to property damage (like a dinged-up car). The at-fault driver will generally be responsible for paying damages, which is where property damage liability can step in to help.
First Party Benefits Medical coverage
"First party" refers to you and those covered by your policy. First Party Benefits coverage (FPB) offers financial protection in case you're injured in a car accident (regardless of who caused the accident).
Your FPB can be used to help pay for:
- Medical and dental treatments
- Hospitalization expenses
- Nursing services
Pennsylvania drivers are legally required to maintain at least $5,000 in FPB medical coverage. Esurance customers can choose a limit as high as $100,000.