Car Insurance in Philadelphia is controlled under Pennsylvania state law. The law requires that all drivers in Pennsylvania carry at least liability insurance on their vehicles. If you are in an accident and it is your fault, your liability coverage is what pays for the damage you have caused to other people’s property.
The minimum amount of insurance coverage allowed by law is $15,000 per individual and $30,000 per incident. These are for bodily injuries only. Damage to property is covered under a separate liability coverage specifically designed for property damage.
If you have only the minimum amount of protection and you are sued for a higher amount, you can be found responsible for the difference. If you have assets that could be seized in this instance, it may be more sensible for you to purchase a policy with higher coverage amounts.
Personal Injury Protection is also a required insurance. It covers your personal medical bills if you are injured in the accident. The minimum amount allowed is $5,000.
Insurance options that are not mandatory are collision and comprehensive coverage. Collision pays for the damage done to your own car in an accident. Comprehensive covers you in the event of vandalism or theft. Additionally, you can purchase additional protection against damage caused by others without insurance or inadequate insurance. These policies are referred to as Uninsured and Under Insured Motorist policies.
Generally, the higher the amount of your protection, the higher your premiums will be. You can make adjustments within your policy to lower the amounts by adjusting your deductible, having a vehicle with safety features and having multiple vehicles insured. Different companies often offer other ways to save, so it is not a bad idea to ask about discounts when starting or renewing a policy.
If you are looking for Car Insurance in Philadelphia, contact Imperial Agency. They offer instant phone quotes and online quotes within 24-hours. They have plans for both excellent drivers and those with more than a few black marks on their record. They offer a huge range of services at their office, including renewing drivers licenses, license plates and titles.