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By R Daniel Williams
Getting your car insured in PA is tricky. Actually, we mean you need to be aware of some legal issues if you really want to make the most out of your PA auto insurance policy. The law of Pennsylvania demands that all automobiles are covered by at least a minimal level of auto insurance. Now, the law specifies some special category of PA auto insurance coverage and some specific limits are set.
Let’s take a closer look at the supposed no fault clause. Some people say it’s a misnomer somehow. The laws in Pennsylvania in this regard are smart combination of the “no-fault” and “at fault” approach. Basically, laws in PA let a driver to pick one between no fault policies and the customary coverage, despite there’re mandates in PA law.
For an example, a No Fault policy in PA auto insurance law applies straight to all sorts of medical expenditures or loss of wages that incurred due to a car accident. Expenses for every driver involved in that accident will be covered by dint of their respective individual policy. And such provisions apply disregarding who among the drivers were responsible for the auto accident. Nevertheless, reports are taken from authorities, witnesses and on duty police. Like we just said, the costs are bore only through the policies that each insured holds, instead of the traditional approach of bearing those expenses through the PA auto insurance policy of that driver who was found responsible for an accident.
On the other hand, if your PA auto insurance policy holds an At Fault provision, things could be a lot different. In this case, compensations are paid for the pain and/or suffering of the injured or other types of losses which are not in any way linked to those billed expenses. That means, when a person found to be responsible for the accident due to his or her negligence, will have to compensate the injured people since they were harmed by his faults that lead to the accident.
But no matter what your PA auto insurance policy holds, you can’t do without it usually, as the state law makes it mandatory of all car owners to have a minimum level of coverage for their vehicle. Putting it straight and simple, drivers are required to carry at least some liability insurance coverage. This is meant for protecting PA drivers from getting financially handicapped because of the huge claims that might be filed against them if they’re at fault on the event of an accident.
Just in case you didn’t know, the law related to PA auto insurance requires that a minimum amount of $15,000 coverage is held for a person and $30,000 of coverage is held for each incident. This generally is called the 15/30 coverage clause. According to the state law of PA, it’s also obligatory that you have a minimal no-fault coverage that will cover all the medical bills for you when you’re injured in an accident. The minimal coverage here is $5,000.
About the Author: 1984 Univ of Pitt Grad Founded Williams Agency in 1986 Am currently active as owner-agent. Happy to serve over 3500 Pa residents with better insurance at much lower prices. Better Pa Car Insurance at Much Lower Prices
Source: isnare.com
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