Choosing Your Pennsylvania Car Insurance

By Barry H Brenner

The state of Pennsylvania has car insurance regulations that are different from most states. When you purchase your Pennsylvania car insurance, you'll have two options, as follows:

• No fault - or limited tort system insurance - Under this system, you assume that each party will pay their own expenses in the event of an accident - regardless of which driver is at fault. If you choose this type of Pennsylvania car insurance, you'll minimize your right to sue the party at fault in the event of an accident.



• Tort System - Under the tort system, one party is deemed to be at fault, and the at fault party can be sued by the victim. Under the tort system, if you are the victim, you can sue the party at fault for your direct expenses, such as medical bills, etc. In addition, you can sue for indirect expenses, like pain and suffering.

When making your decision about whether to choose no fault insurance or tort insurance, keep the following things in mind:

• Under the no fault system, your premiums will be lower.



• Under the no fault system, may still be able to sue for direct expenses, such as medical bills in the event of an accident where you've sustained serious injury, particularly if your medical expenses exceed the limits of your insurance.

In addition to making the choices listed above, there is Pennsylvania car insurance that every driver must carry, including liability and medical benefits coverage. Pennsylvania liability minimums are 15/30/5. You must also purchase medical benefits coverage of at least $5000. This coverage pays for your medical expenses, regardless of who is at fault in an accident.

If you're new to the state of Pennsylvania, it's wise to talk to your insurance agent before you purchase your insurance. Your agent can help you understand the ins and outs of both the tort system and the no fault system, and help you choose which option is best for you.

Once you've made the decision on your basic coverage, you may also elect to add optional coverage such as collision and comprehensive insurance. Collision coverage pays for repairs or replacement to your vehicle in the event that you are responsible for an accident. Comprehensive coverage insures your vehicle against damage not sustained in an accident, such as damage from fire, vandalism, theft, wind or hail. Do your homework and get your car insurance quotes Pennsylvania on an annual basis.

Choosing car insurance in a new state can be confusing, and Pennsylvania's car insurance rules are even more confusing than most. But, if you take the time to understand the coverage requirements and all the available options, you're sure to end up with a policy that's just right for you.

For tips on saving money on your Pennsylvania car insurance, visit http://www.cheapcarinsurancequotetips.com/ Barry Brenner is a licensed car insurance agent specializing in low cost insurance.