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Pennsylvania Motor Vehicle Insurance:
If you live in the state of Pennsylvania you must have the state minimum limits of auto insurance before you drive.
If you live in Pennsylvania and your car is registered in Pennsylvania you must hold:
Liability insurance: $15,000/ $30,000 total
Property Damage: $5,000
Uninsured/Underinsured motorist coverage:
This type of policy will help protect you if you're in an accident and the other driver does not have insurance on there vehicle, or if you were in an accident while somebody performed a hit and run. UMC is when the accident was the fault of someone else, and their liability limits will not cover the damage or medical expenses. UM also covers the expenses of your passengers that were injured while in a accident.
UMC limits must be the same as your liability limits. There are ways were you can request a lower limit, in this case please contact your agent and ask them to inform you on how to do so. Although if you ask to get UMC, please remember that you need the state minimum limits.
:For more information on Pennsylvania's auto law requirements from the government brochure please click here.
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