Express Lane helps to alleviate the challenge of doing all of the leg work to get all of the information together that you’ll require for car insurance.
While there are several kinds of car insurance, the main one you need to have in order to drive is liability insurance. However, you’ll want to ensure that you have plenty of coverage in lieu of an accident. You won’t want to have to pay out more than your car insurance coverage so be sure that you are fully covered.
Bodily injury liability will help to cover any medical expenses for anyone who is injured in a wreck that you cause. Property damage will help to cover any damage done to property as well as any car repairs that are not already covered.
Medical benefits will also help to cover medical costs for any injuries in the wreck even if the accident was not your fault.
It’s always wise to go over the protection in a policy and consider raising the basic limits to give yourself more coverage. Since Pennsylvania Car Insurance is in a no fault state, this means that your car insurance will initially help to pay your medical costs no matter who caused the wreck.
Earlier in 2015, Insure.com ranked all of the 51 states based on their annual average car insurance premiums. Pennsylvania was listed #23 with an annual of $1,304 which is just below the nation’s mean of $1,311.
However, it quickly becomes complicated when you consider the options between limited rights to recover damages and full rights to recover damages. Should you choose the limited rights option, you’re going to have a lower premium, but you will not be able to sue the driver who is at fault in the accident for any pain or suffering unless the injuries reach a specific level of severity.
Full rights will allow you to sue for post accident costs as well as the pain and the suffering that are often considered non monetary in damages. It is important to note however that the full rights coverage is more expensive in premium prices than the limited coverage option.
No fault insurance will not cover any property damage such as a dent or ding that the at fault driver should be held responsible for.
In the state of Pennsylvania drivers are required to have First Party insurance benefits. This will offer some financial protection should you be injured in a wreck no matter who caused the wreck.
Pennsylvania drivers are required to have at least $5,000 in coverage. Depending upon the company you go with you could select limits that are as high as $100,000 in coverage.
Choosing optional coverages can offer you even more protection in your car insurance coverage. The more you are going to be paying for your car insurance premium. Pennsylvania Car Insurance requirements should always be followed closely in order to provide you with the required protection.