Car Insurance in PA

At Risk Averse, we will work to find you the cheapest car insurance in Delaware County, Chester County, and Montgomery County through companies providing the highest quality claims service.

In Pennsylvania, drivers are required to choose between Full Tort and Limited Tort on their car insurance policy. This decision could have a significant impact on your ability to be compensated for pain and suffering in the event of an accident.

Full Tort gives you the ability to sue for pain and suffering regardless of how small the injury. It will typically cost you a significant amount more in your auto premiums, but it maximizes your ability to be fully compensated in the event you are in a car accident. If you can afford to carry Full Tort, you should.

Most people carry Limited Tort because of the premium savings that it offers. Limited Tort will restrict your ability to sue for pain and suffering in the event of an accident. You will still maintain your ability to recover for property damage and medical expenses but anything beyond that will be an uphill battle.

There are, however, exceptions to Limited Tort whereby a person is given the same rights as someone with Full Tort. The following are exceptions to Limited Tort in PA car insurance:

1. If you are hit by a person who is later convicted of DUI
2. If you are hit by a driver who is driving a vehicle registered outside of Pennsylvania
3. If you are hit by an uninsured driver
4. If you are a passenger in a vehicle such as a friends car, a taxi, or a bus
5. If you are a pedestrian on a bike and you are struck by a car (yes, your auto policy will be responsible for medical payments when you are a pedestrian)

Give us a call if you would like to discuss your options regarding Full and Limited Tort on your PA car insurance policy.

In Pennsylvania, car insurance will provide the primary coverage for medical bills when you are injured in a car accident or as a pedestrian hit by a car. This means that your healthcare provider will not pay a dime until your PA car insurance policy has exhausted it’s medical limit.

To give you an example, let’s say you have a $5,000 medical limit on your car insurance policy when you are hit by another car. You accumulate $12,000 in medical bills as a result. Your PA car insurance policy will pay the first $5,000, and your health insurance would pay the remaining $7,000 (minus any copays and deductibles).

A PA car insurance policy will provide up to $1.1 million in medical payments depending on the limit you’ve selected on your policy. These benefits are paid without any copays or deductibles and are cheap in comparison to health insurance. If you have a health insurance policy with a high deductible or copay, you could be out a significant amount of money in the event of a claim. By carrying a high medical limit, you avoid those expenses.

By some estimates, 1 in 7 people on the road are uninsured. A significant portion of those that are insured carry minimum limits required by law on a PA car insurance policy.

Uninsured/Underinsured Motorist coverage in PA allows you to protect your family in the event of an accident rather than leaving it up to others to carry sufficient coverage.

The minimum limit of insurance in PA will only provide $15,000 of coverage for bodily injury per person. If you are struck by another car and suffer any significant injury, that $15,000 in coverage will be exhausted quickly. In this situation, your recourse would be to file a claim against your own insurance company under the Underinsured Motorist coverage.

If you are injured in an accident with a vehicle that is completely uninsured in PA, your only recourse will be to file a claim against your own insurance company using the Uninsured Motorist coverage.

These limits provide protection to you and your family against those irresponsible divers on the road.

Uninsured Motorist coverage and Underinsured Motorist coverage provide insurance for Bodily Injury suffered by you, not physical damage to your vehicle or property.

Stacking refers specifically to Uninsured and Underinsured Motorist insurance in PA. In PA car insurance, you are only allowed to carry Uninsured and Underinsured limits equal to or less than the limit you choose for Bodily Injury. However, you may choose to stack these limits, meaning your UM/UIM limit will be multiplied by the number of cars you have on the policy.

For example, your PA car insurance policy has a UM and UIM limit of $100,000 per person and $300,000 per accident. You have 3 cars on your policy. If you are hit by an uninsured or underinsured driver, your policy will actually cover you for up to $300,000 per person and $900,000 per accident.

Stacked limits of insurance are more expensive than non-stacked limits but not typically too much more. With the amount of drivers on the road carrying little or no insurance, it is money well spent.