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Pennsylvania Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Pennsylvania. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Pennsylvania Car Insurance Laws

Pennsylvania is a "choice" no-fault insurance State. PA motorist may reject the lawsuit threshold and retain the right to sue for any auto-related injury. You may opt for Limited Tort which offers savings of 15-25 percent on your auto insurance premiums and you are still able to recover all out-of-pocket medical and other expenses. However, you are not able to recover certain damages such as payments for pain and suffering unless injuries are defined as serious. The Full Tort option allows you to retain unrestricted rights to bring suit against the negligent party, but your auto insurance premiums will also be higher.

Pennsylvania auto insurance law requires Bodily Injury Liability insurance coverage which pays for the other parties' medical expenses if you injure someone in a car accident. You must buy bodily injury liability coverage of at least 15/30: $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident.

If you damage someone's property in a car accident and you are at fault, the property damage liability coverage pays for it. You must buy at least $5000 of property damage liability coverage. Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements. A minimum medical benefits coverage of $5,000 is also required. These pays medical bills for you and others covered on you policy regardless of fault. Pennsylvania Car insurance companies offer higher limits and other options including uninsured and underinsured motorist bodily injury coverage, collision, comprehensive and more.

Pennsylvania Drivers & Vehicle Service

You can now save time by accessing many driver and motor vehicle services online at the Pennsylvania Drivers & Vehicles Service (PENNDOT) website. The website offers online vehicle registration renewal, change your address with the PA DMV, renew your driver's license or photo ID, request a driver's history record, or schedule a driver's test. A PIN may be required for some services and you can request on directly on the website. A wealth of information is also provided about driver licensing, forms and applications, fact sheets, and schedules for the PennMobile-the motor coach which brings Pennsylvania DMV services to your doorstep.

Pennsylvania Insurance Department

The Pennsylvania department of insurance is an objective source of information that can help you understand the complexities of your insurance coverage. Services available to consumers include filing an insurance complaint, read consumer insurance publications, compare insurance premiums, view complaint ratios and more. Producers can go online to apply for a license, view continuing education criteria, learn about testing, download forms and more. The Hearings section lists currently open cases and claims against insurance companies. The Hearings Office publishes case decision digests which contain summaries of important cases in the PA Insurance Department. If you have children, you can learn more about the Children's Health Insurance Program.

The Pennsylvania Insurance Department online brochures are great tools to education yourself in specific insurances before you decide to buy. The Pennsylvania Auto Insurance Premiums Guide lists competitive car insurance rates and premiums according to areas in PA. It also covers optional and required car insurance coverage, PA assigned risk program and frequently asked questions about Pennsylvania auto insurance.

Pennsylvania Department of Transportation

The Pennsylvania Department of Transportation’s website is a tool that can be used by Pennsylvania residents to look up important telephone numbers, current road conditions, construction projects, traffic information, public transportation and bridge closings. One of the most fascinating aspects of the website is the ability to allow the user to find information for his or her respected local traffic, telephone numbers and etc. The website has a separate page that has a complete image of the state of Pennsylvania that is divided up into twelve regions. A user has the ability to click on the region that has his or her county in it to look up a report on his or her respected county.