Determining what limits you need for auto insurance can be confusing. Therefore, it helps to talk to a licensed insurance agent about your requirements. In the state of Pennsylvania, designated minimum limits are set for bodily injury liability protection, property damage coverage, uninsured and underinsured motorist protection, and first-party benefit payments for medical costs. If you so choose, you can reject uninsured and underinsured motorist protection.
Required Coverages
More specifically, the coverage limits for car insurance in Lancaster County, PA are as follows:
• Bodily injury: $15,000 per person and $30,000 per accident.
• Property damage liability: $5,000.
• First-party medical benefits: $5,000.
• Uninsured and underinsured motorist coverages: $15,000 per person and $30,000 per accident for each plan.
First-Party Benefits
The first party benefits coverage is a type of insurance plan that offers various medical benefits. In order to learn more about this type of policy, again, you need to review the options with your car insurance company. That way, you can choose just the right protection for your particular needs.
What Is a Limited Tort Plan?
If you take out a car insurance policy in Pennsylvania, you can select from either limited tort or full tort insurance. If you choose a limited tort plan, it restricts you from suing another driver for pain and suffering.
Play it Extra Safe
While you want to afford the premiums for your coverage and avoid taking out too much insurance, you still will want to pick a plan that gives you the best coverage in relation to your budget. In most cases, it is better to raise your coverage limits to play it extra safe.
Address Any Concerns with Your Agent
You can learn more about the insurance plans that are available to you when you visit us website online. Once more, make sure that you choose the best plan for your budget. Never commit to a plan until you have made some comparisons and talked to an insurance agent about your requirements and concerns.
