In Pennsylvania, it’s mandatory to have auto insurance for every vehicle that you own. There are types of required coverage that have to be in your policy, and there are types that are optional for Pennsylvania drivers. The amounts of required coverages are low when compared to requirements in other states. It’s often recommended that you get more coverage than the minimum amount mandated by the state. When you need auto insurance, give us a call at The Hansen Agency LLC in Canonsburg, PA.
Required Coverage
It’s mandated by the state that you have two different kinds of liability coverage in your auto policy. Bodily injury liability is required to be in your policy in two amounts. One of these is for one injured person, and the second is for all of the injured parties. You need both of these to protect yourself against that type of liability. You also need liability protection against property damage and are mandated to have this in your policy. Not having these types of coverage means you’re driving illegally and you’re at great financial risk.
Other Coverage
In addition to your liability coverage types, there is also first-party benefit coverage required. It’s required to have a small amount of this to pay for your own injuries as well as your passengers’ injuries. Auto policies also come with uninsured motorist and underinsured motorist coverage, but you are allowed to reject this coverage and not have it in your policy. This type pays when someone without insurance or no insurance causes an accident. It’s recommended that you keep this insurance in your policy because of the risk you’d face without it.
Get Auto Insurance
It’s important to always have auto insurance, and we can help. Call us at The Hansen Agency LLC in Canonsburg, PA to find out more and to get started.
