Pennsylvania is a “no fault” state when it comes to automobile accidents. As such, the cost of the damages the driver sustains from an accident is paid back regardless of who may have caused the accident. Nonetheless, Pennsylvania has minimum liability auto insurance policies in place just as in every other state in the union. In fact, Pennsylvania drivers are required to carry bodily injury liability insurance, property damage liability insurance, and medical benefits insurance as well.
Pennsylvania drivers are legally required to maintain a minimum coverage of 15/30/05. This means that the minimum amount of coverage a Pennsylvania driver can have in place for injury liability coverage is $30,000 per person. Furthermore, Pennsylvania drivers must carry a minimum coverage or $60,000 per accident. Every driver in Pennsylvania must also carry $10,000 in coverage for property that is damaged in the accident.
Bodily Injury Liability insurance, which is known as just BI for short, is a type of insurance coverage meant to help cover the cost of injuries that result from the accident. This type of coverage, which is required to be in the amount of at least $15,000 per person and $30,000 per accident, covers the expenses that are associated with the injuries or death of other drivers of any vehicles involved in the accident as well as any passengers or pedestrians.
Property Damage, or PD for short, must provide $5,000 worth of coverage. This form of insurance coverage is used to pay the costs that are associated with replacing or repairing property that became damaged from the accident. The property covered by this insurance may include any vehicles involved in the accident as well as any other property that was involved in any way.
Pennsylvania drivers also must carry Medical Benefits insurance with a minimum coverage of $5,000 per person. This insurance pays the costs associated with any medical bills that may result from the accident, including the medical bills of the insured driver and anyone else involved in the accident.
In order to register their vehicles in the state, Pennsylvania drivers must provide proof that they have the minimum required auto insurance. Drivers are required must also carry proof of insurance coverage with them when they drive a vehicle in the state.
There are many ways that a Pennsylvania driver can provide proof of car insurance coverage. The easiest method a driver can use is to simply carry a temporary insurance card, which is provided by the insurance company. If this temporary insurance card is lost or otherwise unavailable, the driver may use other types of documentation to prove coverage. For example, he or she may show the receipt for payment of the insurance premium or the driver may use the insurance binder that was issued by the insurance agent for proof of coverage.
Pennsylvania drivers can also use their current declarations page from their liability insurance policy as proof of coverage. Or, they can use the actual insurance policy or the certificate of insurance policy received from the insurer or from an authorized agent.