subject: Pennsylvania Car Insurance - Drive Your Way To Safety [print this page] Pennsylvania Car Insurance - Drive Your Way To Safety
The no-fault state of Pennsylvania requires all its drivers to carry liability insurance. The Motor Vehicle Financial Responsibility Law of the state determines the amount of coverage a driver must carry to operate his vehicle in Pennsylvania. Failure to maintain continuous insurance coverage, may lead to suspension of the automobile registration and driver's license. The first question that may come to your mind is "Why do we need car insurance?" a car insurance policy is a protection against car theft or accidents. Accidental damages are covered under liability coverage. This policy covers property damage and bodily injuries. Drivers must carry a minimum of $15,000 for each injured person and $30,000 for every incident. If you wish, you can increase the amount to be paid as premium. For first-party benefits coverage, the vehicle owners must possess personal injury protection coverage for medical bills incurred due to any accident. The minimum amount for this type of insurance in Pennsylvania is $5.000. Your personal injury protection coverage will pay for your medical expenses before your health insurance. The two basic types of Pennsylvania car insurance are the full tort system and the limited tort system. The former policy grants the aggrieved side the right to file a suit against the other party. In such a situation, the driver can take legal action and claim a certain amount of money for medical expenses or damages inflicted on the car. The premium is usually high for this category. Under the limited tort policy, the injured party is given extra time to claim for monetary loss due to accident and medical expenditures. The premium costs are lower as they do not cover the claims for emotional suffering and pain. Failure on the driver's part to conform to the financial responsibility law leads to suspension of vehicle registration and operator's license for three months. Another important factor that influences your decision is your budget. Looking for a cheap insurance does not mean that you will get less coverage benefits. The best of benefits can be derived even at low premiums. You must conduct an extensive research and compare and analyze the various quotes. Policies with higher deductibles are advisable as they lower the amount of monthly premium payments you need to make. CarInsuranceQuotes.com provides their customers in Pennsylvania and the rest of the country with the lowest possible car insurance quotes. Visit their website carinsurancequotes.com to get in touch with them as soon as possible. Enjoy a safe and secure ride in your car.
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