If you’re a Pennsylvania resident who’s preparing to purchase a car or drive for the first time, it’s wise to know about car insurance and the laws that apply in your area.  People seeking Philadelphia car insurance have a couple options that are available to them.

According to PA law, you can insure yourself under what’s known as the tort system, or the limited tort system, also called no fault.  Let’s take a look at what each of these different types of insurance include.  The tort system means that if you are in an accident, you have the right to sue the other person or party who caused the accident.  You could file a lawsuit for automobile damage, personal injury, or anything else you feel that you are entitled to.  Now, with the limited tort or no fault system, things are a bit different.  With this system, you can sue for expenses like vehicle damage or the exact cost of medical expenses, but that’s all.  In Pennsylvania, you can expect to pay less for the limited tort type of premium than you would for the full tort type.

Regardless of which option you choose, the state of PA requires that every driver have liability and medical insurance coverage.  This is explained by an easy to remember numerical scale:  15/30/5.  That means you’ll need $15,000 per person for bodily injury up to $30,000 as well as $5,000 for vehicular damage.  You’ll also need $5,000 worth of medical coverage which will pay for the cost of your injuries, no matter whose fault the accident was.

This is, of course, the minimum insurance requirements for the state.  You can choose to purchase a more involved Philadelphia car insurance policy if you like.  There are many different types of insurance packages from which you can choose that encompass many different things.  You may have heard of full coverage insurance, but in reality, no insurance is actually full coverage.  You can, however, get insurance that covers collision, comprehensive, and medical.

Collision insurance covers the damage to your vehicle if you are involved in an accident.  Comprehensive coverage is more involved and covers any damage done to your car by natural disasters, vandalism, or theft.  Then there’s medical insurance, which often covers your own expenses and sometimes the expenses of the other party.

How much you can expect to pay for Philadelphia car insurance will depend on your driving record, the kind of car you have, how old you are, whether you are married, and where you reside.  Insurance companies take all these various factors into consideration when providing quotes.  The price you’re quoted may also vary from company to company, so be sure to shop around.

If you’re a Pennsylvania resident seeking car insurance, you can either get a quote online or speak to an experienced insurance agent in your locality to find out more.

If you’re a Pennsylvania resident who’s preparing to purchase a car or drive for the first time, it’s wise to know about car insurance and the laws that apply in your area.  People seeking Philadelphia car insurance have a couple options that are available to them.

According to PA law, you can insure yourself under what’s known as the tort system, or the limited tort system, also called no fault.  Let’s take a look at what each of these different types of insurance include.  The tort system means that if you are in an accident, you have the right to sue the other person or party who caused the accident.  You could file a lawsuit for automobile damage, personal injury, or anything else you feel that you are entitled to.  Now, with the limited tort or no fault system, things are a bit different.  With this system, you can sue for expenses like vehicle damage or the exact cost of medical expenses, but that’s all.  In Pennsylvania, you can expect to pay less for the limited tort type of premium than you would for the full tort type.

Regardless of which option you choose, the state of PA requires that every driver have liability and medical insurance coverage.  This is explained by an easy to remember numerical scale:  15/30/5.  That means you’ll need $15,000 per person for bodily injury up to $30,000 as well as $5,000 for vehicular damage.  You’ll also need $5,000 worth of medical coverage which will pay for the cost of your injuries, no matter whose fault the accident was.

This is, of course, the minimum insurance requirements for the state.  You can choose to purchase a more involved Philadelphia car insurance policy if you like.  There are many different types of insurance packages from which you can choose that encompass many different things.  You may have heard of full coverage insurance, but in reality, no insurance is actually full coverage.  You can, however, get insurance that covers collision, comprehensive, and medical.

Collision insurance covers the damage to your vehicle if you are involved in an accident.  Comprehensive coverage is more involved and covers any damage done to your car by natural disasters, vandalism, or theft.  Then there’s medical insurance, which often covers your own expenses and sometimes the expenses of the other party.

How much you can expect to pay for Philadelphia car insurance will depend on your driving record, the kind of car you have, how old you are, whether you are married, and where you reside.  Insurance companies take all these various factors into consideration when providing quotes.  The price you’re quoted may also vary from company to company, so be sure to shop around.

If you’re a Pennsylvania resident seeking car insurance, you can either get a quote online or speak to an experienced insurance agent in your locality to find out more.