Car insurance is a type of protection that pays for medical bills and property damage following an automobile accident. Unlike life insurance, business insurance, and property insurance in Bucks County, PA, you’re legally required to have some form of car insurance if you drive. But how much coverage do you really need to buy?
Drivers must have at least three forms of car insurance in Chester County, PA and other parts of the Keystone State:
- Bodily injury liability coverage. Bodily injury liability coverage pays for medical bills incurred by another driver you collide with on the road. You must have at least $15,000 worth of bodily injury liability coverage per person and $30,000 per accident to legally drive as a Pennsylvania resident.
- Property damage liability coverage. Property damage liability coverage is a type of protection that pays for another person’s property you damage during a collision. For example, property damage liability coverage pays for damage you do to another driver’s vehicle or fencing that you collide with after you slide off the road. You must have at least $5,000 worth of property damage liability coverage as a resident of Pennsylvania.
- First-party benefits. First-party benefits are a type of protection that helps you pay for your medical bills and sometimes lost wages after an accident. Unlike the other two types of required insurance protections, first-party benefits go to you, the policyholder, following an accident. As a resident of Pennsylvania, you must have at least $5,000 worth of first-party benefits.
Are you driving without at least state-minimum coverage? If you are, you could be putting yourself and your family at risk of legal and financial trouble. Call the Bachmann-Zeitlin Insurance Agency today at 267-288-5193 to learn more about auto insurance and get the coverage you need to remain on the road legally.