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Pennsylvania Car Insurance Advice from a Car Accident Lawyer

Pennsylvania Car Insurance Advice

Pennsylvania Car Insurance Advice is usually given by insurance agents. However, considering the frequency of inadequate coverage I have seen as a car accident lawyer, Pennsylvania Car Insurance Advice from a Car Accident Lawyer is a must-read for drivers.

In an instant, car accidents can change a life. In my career, I have spoken with many car accident victims. Some of them have serious injuries and are unable to work. And yet, they still have a family to support and bills to pay.  I want to help. After listening to the details of the accident, I begin to ask questions. I am looking for the 3 Elements to a Successful Car Accident Case:  Proving Fault; Documenting Injury; and Car Insurance.  The following addresses the third element to a successful car accident case: Car Insurance.

When you are injured as a result of a car accident, the only thing worse than being injured, is being injured and not having adequate insurance coverage.” ~John Fox


#1:  When choosing your car insurance coverage be sure to check optional “Full Tort” coverage. You will not regret it.  In my opinion, this is the most important Pennsylvania Car Insurance Advice you need to know.

#2:  Choose the optional Uninsured and Under-insured Motorists Coverage.

#3:  Choose the optional Income Loss Coverage.

#4:  If you own more than one vehicle, Stack Your Coverage.

#5:  Choose more than the minimum coverage required by law.

How Pennsylvania Car Insurance Laws Affect your Rights

Pennsylvania No-Fault Law

At the foundation of my Pennsylvania Car Insurance Advice is Pennsylvania Car Insurance laws.  Pennsylvania is a no-fault state with a choice-no-fault program.  Knowing your rights under the Pennsylvania No-Fault System will help you to be fairly compensated for your injury.

Pennsylvania Personal Injury Protection (PIP)

Under Pennsylvania’s no-fault system, a driver is compensated for injuries through his or her own insurance policy, regardless of who caused the accident. Pennsylvania medical benefits are covered by PIP Insurance. PIP covers the medical benefits for you and others included in your policy, regardless of fault. This is why my car insurance advice is to make sure you have proper car insurance coverage, because in Pennsylvania, regardless of who is at fault, it is YOUR car insurance that will determine your rights for compensation.

Pennsylvania Car Insurance Requirements

PIP Insurance is required by all Pennsylvania drivers.  Pennsylvania drivers must carry PIP coverage, bodily injury liability coverage, and property damage liability coverage.  A minimum of $5,000 of PIP coverage is required in Pennsylvania.  Bodily injury liability pays for the medical and rehabilitation expenses of anyone injured in a car accident where you are at fault. The minimum limit is $15,000 per person/$30,000 per accident; the $15,000 pays for injuries to one person, while the $30,000 is the total available to all claimants for one accident. Property damage liability covers the cost of repairing or replacing property damages that you caused in an accident where you are at fault.  The minimum limit is $5000 of coverage. Unfortunately, PIP insurance may not be enough to cover your property damage, pain and suffering, medical bills, and lost wages from auto accidents.

Pennsylvania Car Insurance:  Mandatory Insurance is not Full Insurance Coverage

To be fully covered for a car accident in Pennsylvania, you need more than the mandatory Pennsylvania Car Insurance coverage required by law.  In addition to the mandatory Pennsylvania Car Insurance, you need to choose the optional full tort, the optional Uninsured Motorist (UM) coverage, and the optional Underinsured Motorist (UIM) coverage.

Pennsylvania Car Insurance:  Uninsured Motorists (UM) and Under-insured Motorists (UIM) Coverage

If the at-fault driver has limited insurance or no insurance, your UM or UIM insurance will cover the additional amount of damage caused by the negligent driver.  Compensation through UM and UIM can be complicated and is best handled by an experienced Personal Injury attorney.

Pennsylvania Car Insurance:  Full Tort and Limited Tort Options

Under Pennsylvania’s choice-no-fault system, drivers can choose between two insurance options: full tort or limited tort.  With full tort, you can sue in court for all damages, including pain and suffering. With limited tort, you are able to recover all out-of-pocket medical and other expenses, but you cannot recover damages for pain and suffering.  There is an exception to this rule.  If the accident has resulted in “death, serious impairment of bodily function, or permanent serious disfigurement”, you may recover for pain and suffering, even with limited tort insurance.  Another exception is if you are involved in an accident with an out-of-state vehicle. Many drivers are regretful for not purchasing full tort coverage, which costs only a few dollars more than limited tort.  Limited tort prevents injury victims from suing for pain and suffering if they do not fall within the exceptions.  Although limited tort does prove challenging in fully recovering for your injury, it is possible to receive substantial compensation within limited tort insurance.

The following chart highlights minimum insurance requirements in Pennsylvania and our recommended coverage. This should not be considered legal advice as everyone is unique in their insurance needs. If you have any questions regarding your auto insurance coverage, contact your insurance agent.



Pennsylvania Car Insurance Coverage Options
OptionsMinimum RequiredMinimum Recommended
Tort OptionLimitedFull
Bodily Injury Liability$15,000 per person
$30,000 per occurrence
$100,000 per person
$300,000 per occurrence
Medical Expense Benefit$5,000$10,000
Property Damage Liability$5,000$25,000
Income LossNot Required$1,000 per month
$5,000 in total coverage
Uninsured MotoristNot Required$100,000 per person
$300,000 per occurrence
Underinsured MotoristNot Required$100,000 per person
$300,000 per occurrence
Stacking of Limits for Uninsured/Underinsured MotoristsNot RequiredChoosing stacking is essential to maximizing your family’s protection:
$100,000 x the number of vehicles in the household
Funeral BenefitNot Required$1,500

Pennsylvania Car Insurance AdviceJohn Fox welcomes you to contact him for a prompt and free consultation regarding your personal injury case.

No case is too big or too small for an evaluation.  John Fox welcomes the opportunity to represent you. In your consultation, your case will be discussed and the facts will be reviewed and evaluated. If Fox Law accepts your case, it will be handled on a Contingency Basis, which means you pay nothing. Fox Law carries all of the costs and assumes all of the risks when we accept your personal injury case.

FOX LAW is conveniently located at Two Logan Square in Center City Philadelphia, serving Philadelphia County including Northeast Philadelphia, Bucks County, Chester County, Delaware County, Montgomery County, Allentown, and Reading Pennsylvania. John Fox makes house calls, when necessary.



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Please fill out this form to submit your question or to request a free case consultation. You may also call us at 215-568-6868 to speak with a lawyer today.

Fox Law, P.C.
100 North 18th Street, Suite #2030
Philadelphia, Pennsylvania 19103
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John Fox has been a practicing AV Preeminent rated personal injury Lawyer since 1980. John Fox's litigation and trial experience encompasses trucking accidents with catastrophic injuries; automobile accidents; premises liability lawsuits; tanker truck accidents; environmental claims, national fraternity personal injury cases, medical malpractice, and business dispute litigation.

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