In Pennsylvania, all automobile owners are required by law to provide evidence of automobile insurance coverage. They must offer this proof any time they are stopped or at a designated checkpoint. A failure to provide evidence of insurance results in a hefty citation. Local agencies are available to provide automobile insurance in Lancaster PA for local drivers now.
Mandatory Auto Insurance Coverage
The mandatory auto insurance coverage for Pennsylvania is liability coverage. The policy should provide $15,000 for the first injury that occurs in an accident. It should provide a maximum of $30,000 for the complete accident. It should also provide at least $5,000 for any property damage that occurs during the accident. This is, however, the least amount of coverage needed, and automobile owners aren’t restricted to this coverage only.
Medical Benefits Coverage
The medical benefits coverage provides funds for the automobile owner. These funds cover their medical expenses after an accident. Since Pennsylvania is a no-fault state, all drivers must carry this coverage to ensure that they have adequate coverage to protect themselves.
What are Tort Options?
Tort options are available with insurance coverage. The limited tort coverage and full tort options don’t provide the exact level of coverage. If the automobile owner acquires limited tort coverage, they have the right to sue for medical costs only. If they acquire full tort options, they have the right to sue the accountable driver for medical costs as well as pain and suffering.
When Can You Sue?
By having the required insurance coverage, the automobile owner isn’t protected from a lawsuit. The victim in an accident may file a lawsuit when they sustain a serious injury. This may include loss of limb, disfigurement, or the development of a permanent disability.
In Pennsylvania, all drivers must fulfill their financial responsibility by acquiring adequate insurance coverage. The policies help provide coverage for accident victims when the owner is at fault. The policies also provide coverage to help the automobile owner pay for automobile damage. Any driver who needs to acquire Automobile Insurance in Lancaster PA can click here for more information or to obtain a free quote now.
