Bodily Injury
If the policyholder or another driver covered by the Pennsylvania policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Pennsylvania auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your Pennsylvania auto insurance quote refers to the maximum amounts that will be paid per accident.

First Party Benefits - Medical
First Party Benefits (FPB) medical coverage is mandatory in Pennsylvania, with $5000 limits being the lowest available option.

On a Pennsylvania auto insurance policy insuring more than one car, all vehicles must carry the same limits on FPB medical coverage.

How much protection does this coverage provide?
The coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per incident.

Right to Recover Damages (Tort Options)
The right to recover damages is legally known as tort options. The state of Pennsylvania requires you to select one of the following tort options to define your right to compensation in the event that another party injures you or members of your household in an auto accident:

• Limited Right to Recover Damages (Limited Tort)
  If you select the limited tort option, your rights to financial compensation for injuries caused by other drivers will be limited. However, your premiums for property damage liability, Full First Party Benefits (FPB), and FPB Income Loss coverages will be lower than if you had selected full tort. Under the limited tort option, you (the insured) and other members of your household are entitled to recover damages for medical and other out-of-pocket expenses related to a covered accident. However, you will not be eligible for financial compensation for pain and suffering or other non-monetary damages, unless your injuries are categorized as serious (e.g. a life-long disability, an injury resulting in death, etc.).



• Full Right to Recover Damages (Full Tort)
  If you choose the full tort option, your rights to financial compensation for injuries caused by other drivers is unrestricted. However, your Pennsylvania auto insurance premium will not be reduced. Under the full tort option, you (the insured) and other members of your household may seek recovery for all medical and out-of-pocket expenses. You are also allowed to seek financial compensation for pain and suffering and other non-monetary damages for injuries caused by other drivers in a covered accident.

First Party - Combination Package Benefit (CPB)
First Party - Combination Package Benefits (CPB) is an optional coverage available in Pennsylvania. This package represents an alternative to buying the other individual First Party coverages separately.

The CPB auto insurance coverage provides the named insured and relatives living in the same household a combination of benefits subject to an aggregate limit of $177,500 or $277,500.

The package includes coverage for Medical Benefits, Income Loss, Accidental Death, and Funeral Benefit. The Accidental Death and Funeral Benefit portions of the coverage are subject to $25,000 and $2,500 limits, respectively.

First Party - Extraordinary Medical
First Party - Extraordinary Medical is an optional coverage available in Pennsylvania if you have also selected First Party - Medical Benefits coverage with a $100,000 limit.

The auto insurance coverage is designed to provide catastrophic medical coverage for the named insured and relatives living in the same household, in excess of the base Medical Benefits coverage of $100,000.

This means that Extraordinary Medical Benefits coverage will begin once the $100,000 limit for your medical expenses has been reached under your medical benefits coverage, and will cover your additional medical expenses up to the limit you choose.

A limit of $1 million is available.

First Party - Income Loss
If you purchase Income Loss coverage, the named insured and relatives residing in the same household are covered.

Income Loss coverage helps you recover up to 80% of your lost earnings if you're unable to work after an insured accident. This coverage also helps pay for any expenses you may incur if you need special assistance to continue working. If you're self-employed, this coverage helps pay for a substitute to continue your work while you're recovering.

This coverage is limited to $2500 per month, with total payments capped at $50,000.

First Party - Accidental Death
Accidental Death coverage provides a death benefit if a covered individual, either the named insured or a relative living in the same household, dies from accident-related injuries within 24 months of a covered accident.

The coverage will pay $25,000 to the insured's designated beneficiary.

First Party - Funeral
Funeral coverage provides $2,500 toward funeral expenses if either the named insured or a relative living in the same household die from accident-related injuries.

Uninsured Motorist Bodily Injury
If you choose to have uninsured motorist bodily injury on your Pennsylvania auto insurance policy and you want it to apply to multiple cars, you must select the same limit for each car. Also, the limits you choose must be less than, or equal to, your bodily injury limits.

If the covered individuals are injured in an accident caused by a driver who has no auto insurance, compensatory damages that a policyholder is entitled to receive, will be covered.

How much protection does this coverage provide?
The dual coverage limits you see in your Pennsylvania auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.

If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the limits you purchase are lower than an accident's costs, you’ll be responsible for paying the amount over your limits, unless you’re covered by health insurance.

Uninsured Motorist Bodily Injury - Car Stacking
Car stacking is an option that allows you to increase the limits you select for your uninsured motorist bodily injury coverage. Limits increase based on the number of cars you're insuring. However, this increased level of protection raises your auto insurance premium.

How it works:
Carla has chosen $50,000/$100,000 limits for her uninsured motorist bodily injury coverage. She's insuring 2 cars.

By choosing "unstacked," Carla's limits would remain $50,000/$100,000.

If Carla chose the "stacked" option, her uninsured motorist bodily injury limits double to $100,000/$200,000.