Best Type of Auto Insurance Coverage 

Why Choosing the Right Auto Insurance Coverage Matters 

Besides being a legal requirement, selecting the best type of auto insurance coverage is crucial for several reasons. It safeguards you from potentially substantial financial losses in the event of an accident. Without adequate coverage, you may be personally responsible for medical bills, vehicle repairs, or legal expenses. 

In addition, choosing the right coverage ensures peace of mind. Knowing that you have sufficient protection against various risks allows you to drive with confidence, knowing you are prepared for any potential situations. 

Best Type of Auto Insurance Coverage 

Auto insurance coverage is a vital component of responsible vehicle ownership. It provides financial protection in the event of accidents, theft, or other unforeseen circumstances. 

Finding the best type of auto insurance coverage for you depends on several factors. Here are 5 of the most common types of auto insurance coverage you can choose: 

Bodily Injury Liability Coverage  

Bodily injury helps cover the costs of the other person or persons if you are deemed at fault in an accident. The PA minimum limit amount required is $15,000/$30,000. $15,000 is for the injuries to one person, and $30,000 represents the amount available for the entire accident. This helps cover their medical, rehabilitation, and other personal damage amounts for which you are liable.  

Medical Injury Liability Coverage  

Also known as Personal Injury Protection, or PIP coverage, this is mandatory in our commonwealth as Pennsylvania is a no-fault state.  In PA, the minimum amount is $5,000 worth of coverage for yourself and others covered by the policy regardless of fault. This is for medical bills. You can choose higher limits if you would like. 

Property Damage Coverage  

Property damage liability is used for any damage you cause to another’s property while driving if you are at fault. The PA required minimum limit is $5,000 for this coverage. If you were the one whose vehicle was damaged you would file for collision coverage, which, while not required in our state, is recommended. 

Collision or Comprehensive Coverage  

These two coverages fall into the same category of physical damage to your vehicle. Though not mandatory, they are recommended as each covers different situations. Collision covers when you are at fault, even if considered partially at fault.  

Your insurance carrier will cover damages to your vehicle while trying to collect from the other company. Comprehensive covers physical damages in scenarios where your vehicle might be vandalized or stolen as well as damage from natural disasters. Comprehensive only covers repairs to the car and will not cover if your wallet or other personal belongings are left in your automobile. 

Uninsured and Underinsured Motorist Coverage  

Also not considered mandatory in the Keystone state, these two policies cover yourself, family, and other passengers if hit by a motorist who is not carrying any coverage or enough coverage for your claim. Neither uninsured or underinsured motorist coverage covers property damage. 

There are other types of vehicle insurance available to fit your household’s needs as well. They include rental and transport expenses, GAP coverage, as well as ride-sharing or towing costs.  

What is the Minimum Auto Insurance Coverage in Pennsylvania? 

In Pennsylvania, the state mandates certain minimum auto insurance coverage requirements for all drivers. These requirements ensure that drivers have at least a basic level of financial protection. The minimum auto insurance coverage in Pennsylvania includes: 

• Bodily Injury Liability Coverage   
• Property Damage Liability Coverage  
• Medical Benefits 

It’s important to note that while these are the minimum requirements, you should consider additional coverage options to provide more comprehensive protection. This is especially true if you have valuable assets to protect or if you want to safeguard against more significant financial risks. 

The skilled and friendly team at Superior Insurance and Auto Tags are highly qualified and licensed agents who can match your policy and its riders to the needs of your vehicles. Whether it is a new driver using a hand-me-down Ford Fusion or your classic ‘63 Chevy Nova, we can find the best type of auto insurance coverage for you. Call or contact us today. We are available online or by phone.