Pennsylvania Auto Insurance: What Does Liability Insurance Actually Cover?

The requirements for Pennsylvania auto insurance include liability insurance. You are required to get liability insurance for injuries per person, and per accident. You are also required to get property damage liability auto insurance in Pennsylvania.

Liability insurance is intended to cover your costs in the event that you are found to be liable for another party’s damages in a car accident in Pennsylvania. When you get liability insurance, you are protecting yourself from financial losses in the event of an accident.

At Berks County Insurance, we help Reading, PA drivers get the auto insurance they need so that they have enough coverage in the event of an accident.

What are the Liability Coverages in Pennsylvania?

There is bodily injury liability and property damage liability insurance in Pennsylvania. 

Bodily injury liability coverage will cover the costs up to a certain amount for medical expenses in the event of an accident where you are the liable party. You will need bodily injury coverage per person, and bodily injury coverage per accident.

Property damage liability coverage will cover the costs of damages to another person’s property in the event of a car accident for which you are found to be liable. 

Tort Coverage and Pennsylvania No-Fault Law

In Pennsylvania, when you purchase auto insurance, you have the option to purchase either Limited Tort coverage or Full Tort coverage. When you purchase Limited Tort coverage, this will limit your ability to sue another driver for pain and suffering if they are liable in an accident. 

Pennsylvania is a no-fault state, which means that your own car insurance will cover the costs regardless of who is responsible for a car crash. That includes medical and out-of-pocket expenses up to your coverage limits. 

You can fight this after a car accident with a lawsuit, and that is the only way around the no-fault law. This is something you may want to consider when looking at Limited Tort and Full Tort options.

Get a Quote

Liability insurance is not optional in Pennsylvania, but there are options within your liability insurance. At Berks County Insurance, we want Reading, PA drivers to have all the coverage they need, with the options that work best for them. Call us for a quote today.