Serving Philadelphia, Montgomery, Delaware, Chester, Bucks, and Lehigh County

Pennsylvania Car Insurance Advice

John Fox

“When choosing your car insurance coverage be sure you check optional “Full Tort” coverage. You will not regret it.”   John Fox, Philadelphia Car Accident Lawyer

How Pennsylvania Car Insurance Laws Affect your Rights

Pennsylvania No-Fault Law

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.

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


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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