Phone rings every few minutes here in the office…many times the caller wants \”just the minimums\” Normally, we don\’t bother asking if they know what the minimums are…at least not right away…never pays to contradict the client. The laws regarding pennsylvania car insurance are pretty clear on the minimums. And those laws don\’t require enough coverage in many cases when an injury occurs in an auto accident.

Question is…will the pennsylvania car insurance minimums give you the kind of coverage you need? Just so you know the minimum limit on bodily injury liability is $15,000 each person $30,000 each accident. What\’s that mean to you? It means your car insurance will pay up to $15,000 as the result of injuries sustained in an accident as a result of your negligence. Simply…it\’s the maximum your company will pay out to one person. Statistically, the odds are in your favor that you probably won\’t have an accident…and if you do, the damages will be simple property damage to someone\’s car. The minority of accidents actually cause bodily injury to anyone so maybe you\’d be OK. On the flip side…if someone is injured…or claims to be injured…your policy will pay up to the 15 thousand. Considering the average broken arm claim is over 25 thousand you might be able to see how 15 thousand isn\’t going to cut it when someone gets hurt. It\’s amazing how much money can be spent in a relatively short period when a simple car accident occurs.

Minimum property damage liability seems to be the more prevalent of the coverage that gets folks into trouble. The minimum is $5000 required by pennsylvania car insurance laws. You bang into my 2010 Chevy pickup and cause over $5,000 damages and you\’re going to eventually get a bill from my insurance company. You see…after your insurance maxes out…mine will kick in and pay me…so I\’ll have no gripe with you…but my insurance company will. From what I\’ve seen about insurance companies…they want paid. So…they\’ll file a judgement against you (no matter how poor you are) and will have your driving priviledges revoked until you satisfy the judgement. Not very neighborly huh ? Yeah Andy Griffith wouldn\’t have done that…that\’s for sure.

Do yourself a favor and ask some questions when you call or log in for that Pennsylvania car insurance quote. It\’s normally only a few dollars to bump up those minimums to something more adequate. Then, if you\’re ever unfortunate enough to be involved in an accident causing harm or serious damage your mind can rest…knowing that you\’re covered properly.
If you\’d like to get comparisons from at least six of the top insurance companies in the state you can log in to my site and complete the request in six minutes. Seeing what different companies offer can be a huge advantage in finding big savings on your car insurance as well.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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