first party benefits in pennsylvania: a primer for pennsylvania drivers

First party benefits coverage in Pennsylvania can help pay for medical expenses after an injury-causing car accident.

quick coverage facts

  • Available in Pennsylvania only
  • First party = you and your passengers
  • Covers medical expenses after an accident

what first party benefits (FPB) coverage can cover

Pennsylvania drivers are required to have either combined first party benefits coverage (which we explain below) or FPB medical coverage on their car insurance policies.

But what exactly is a "first party," and who exactly is covered?

"First party" is a dressed-up way of saying "you, the policyholder." FPB can help cover these accident-related expenses, regardless of fault:

  • Medical and dental treatment
  • Hospitalization
  • Professional nursing services
  • Prostheses
  • Funeral expenses (not available with basic FPB)

FPB also kicks in if you or someone on your policy is injured as a passenger in someone else's car, or if you're hurt while walking or cycling.

The minimum coverage limit in Pennsylvania is $5,000 and refers to the maximum amount that will be paid per person, per incident. Policyholders looking for extra protection (those without adequate health insurance, for example) have the option to pay for a higher limit.

Get first party benefits coverage

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Or speak with a licensed agent at 1-800-ESURANCE (1-800-378-7262).

optional first party benefits coverages

On top of the required FPB medical coverage, a number of optional coverages are available.

Extraordinary medical benefits

This additional coverage isn't extraordinary for imparting the ability to fly over rush-hour gridlock. It's extraordinary because it can go above and beyond for Pennsylvania drivers who opt for a FPB medical coverage limit of $100,000. If you carry this limit and add extraordinary medical benefits, you can effectively raise your limit up to $1,000,000 per incident.

Income loss

This coverage helps injured drivers and passengers recover lost wages after an accident. It can typically help an injured accident victim recover up to 80 percent of his or her lost earnings, and it can help cover any special medical-related assistance needed to continue working. Income loss coverage has a limit of up to $2,500 per month and $50,000 per incident.


The costs of a funeral can be staggering. FPB funeral coverage can help by paying up to $2,500 toward any funeral fees if a covered Pennsylvania driver (or any of their passengers or other drivers on the policy) dies from car-accident-related injuries.

Accidental death

If a policyholder, passenger, or other driver on the policy dies of accident-related injuries, accidental death coverage can provide an agreed-upon sum to the beneficiary.

Combination package

Pennsylvania residents wishing to get coverage for the above without buying them separately might find that this option makes sense. A typical FPB combination package includes coverage for medical benefits, income loss, accidental death, and funerals. You can choose a limit of either $177,500 or $277,500. The accidental death and funeral benefit coverages are subject to limits of $25,000 and $2,500, respectively.

If you choose not to buy the combination package, you'll be required to add medical payments coverage to your policy.

find out if FPB coverage is right for you

If you live in Pennsylvania and want to upgrade your FPB or adjust its limits, give us a call at 1-800-ESURANCE (1-800-378-7262). We're here to help.

See all coverages.

Medical payments coverage
If first party benefits coverage isn't offered in your state, medical payments coverage can help with many of the same expenses.

Personal injury protection coverage
If you live in a no-fault state other than Pennsylvania, personal injury protection can cover many of the things covered by FPB.