Understanding Auto Insurance Laws in Pittsburgh, PA
Before hitting the road in Pittsburgh, PA, it’s crucial to understand Pennsylvania’s auto insurance laws to ensure you’re always informed and compliant. At Daniel Carinici Agency LLC, we can help you ensure you have the right type of coverage, whether you’re planning to invest in a car or drive on the open road.
Liability
In Pennsylvania, every driver must carry the following liability insurance:
- Bodily Injury: Bodily injury insurance covers up to $15,000 per individual and $30,000 per accident.
- Property Damage: Property damage liability insurance covers up to $5,000 in property damage per incident or accident. Pennsylvania’s minimum insurance requirements are referred to as 15/30/5 coverage.
Personal Injury Protection (PIP)
Pennsylvania also follows a no-fault system, requiring all Pittsburgh, PA drivers to carry some form of PIP, or Personal Injury Protection, coverage. PIP benefits cover approximately $5,000 per person involved in an accident. PIP insurance coverage will help with medical expenses related to an accident (including for your passengers), regardless of who is at fault.
Uninsured and Underinsured Motorist Coverage
While not mandatory in Pennsylvania, the following insurance policies are recommended:
- Uninsured Motorist (UM) Coverage: This will protect you if you’re hit by another driver who does not currently have any form of auto insurance in Pennsylvania.
- Underinsured Motorist (UIM) Coverage: Protects you if the at-fault driver’s insurance is insufficient to cover the damage and/or injuries you’ve sustained.
At Daniel Carinici Agency LLC, we can help you determine if you have adequate auto insurance anytime you plan to drive in or near Pittsburgh, PA. Protecting yourself with proper insurance and coverage mitigates the financial and legal responsibilities commonly associated with accidents and collisions. To learn more about coverage options, contact Daniel Carinici Agency LLC today.
