Auto Insurance in Pennsylvania
Like every other state, Pennsylvania requires anybody operating a vehicle on its roadways to have minimum liability insurance. What's different about Pennsylvania is that it's a no-fault state requiring a minimum of $5,000 in medical benefits coverage. That's called threshold medical coverage. If a person exceeds that $5,000 threshold, they get two options, depending on the coverage they have. The first option involves a limited right to sue, while the second option involves a full right.
If you're injured in a car accident that was your fault, minimum liability insurance with a limited right to sue isn't going to be of much help to you. Sure, the first $5,000 is free, but beyond that you're personally on the hook for the balance of your medical bills. You're not going to get any help either for repair or replacement of your vehicle because you weren't covered for that. Even with the second full right to sue option, you're not going to get over $5,000 of help with your medical bills unless you have increased coverage, and your vehicle is still going to remain a wreck. You're still not covered for that because you don't have collision coverage. That makes it touch getting to work every morning without a car.
At Brandywine Insurance group we are independent insurance agents and we're connected with multiple car insurers that will compete to give you coverage far beyond the mandatory minimum so that you're fully covered for any eventuality you encounter on the road at an affordable price. Get an online quote from us for Chadds Ford, PA auto insurance today. You can also call us or just stop in. Information we give you is objective and unbiased. We'll take the time to answer all of your questions; you'll be happy you stopped in.