Car insurance is a legal requirement in all 50 states of America. Car insurance doesn’t just protect your vehicle — it also protects you, and even the minimum legal requirements for insurance ensures that any other drivers involved in an accident with you, along with their vehicles, are covered. Car insurance requirements do vary state by state, so it’s important that you are aware of the requirements for car insurance in your state, and that you purchase the necessary coverage to ensure that you may legally drive.
Pennsylvania car insurance requirements are not too different from other states. The legal minimum is known as limited tort or liability-only insurance. With this type of car insurance, you have a minimum of $5000 in medical expenses coverage, as does any other driver involved in an accident with you. Additionally, the minimum coverage will cover property damage to the other driver — or drivers — involved in an accident with you, but your property is not covered. This means that if you choose liability-only insurance, if you get into an accident the bare minimum of your medical expenses will be covered, but any damage to your vehicle or your property is your responsibility to pay for.