Driving a car daily is a necessity for many people. For those that own or lease a car, it is extremely important to stay in compliance with your auto insurance requirements. If you do not stay in compliance with these requirements, you could face a variety of different penalties including the loss of driving rights or severe financial penalties. Because of this, it is important to consider your auto insurance requirements. There are a variety of factors that need to be considered when you are choosing a new auto insurance policy.
State Requirements
Similar to any other state, Pennsylvania will require that you carry liability auto insurance whenever you are driving on the road. To meet the bare minimum legal requirements, you will need to have liability coverage of at least $15,000 per person and $30,000 per incident in bodily injury and uninsured motorist coverage. You will also need to have property damage coverage of at least $5,000 per accident.
Collision and Comprehensive Coverage
The state law will only require that you carry minimum liability insurance when you are driving your car. However, this is often not enough for most drivers. If you have a car that is worth protecting, purchasing additional collision or comprehensive coverage is a necessity. This type of coverage will provide protection in the event your vehicle is stolen, vandalized, or damaged by a storm. It will also protect you if you are in an accident with an uninsured motorist. Due to the importance of it, you will also be required to carry it if you have a loan or lease in place.
If you own a car in Pennsylvania, you should reach out to Kathy Barry Agency LLC. When you speak to the team at this insurance agency, you will learn far more about your auto insurance needs and options. The team will be able to walk you through the different types of insurance available to you and help you get into the right policy to give you the coverage that you need to have.