Last Updated 25th of May, 2010

What is the state requirement for auto insurance regarding liability and personal injury protection in Pennsylvania? Pennsylvania

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PA Personal Injury Protection and Liability Insurance Requirements

If you own a motor vehicle that is registered in the state of Pennsylvania (PA), you are required to have personal injury protection (PIP) insurance coverage on the vehicle. This includes cars, motorcycles, buses, trucks, and recreational vehicles (RVs).
 
Property and personal injury caused to another vehicle or driver during an accident are covered with liability insurance. Minimum liability car insurance coverage that you can have on these vehicles is as follows:

  • $5,000: Property damages caused by your motor vehicle to another vehicle or person.
  • $15,000: Damages caused by your motor vehicle in an accident that lead to the death or injury of another person, including another driver, passenger, or a pedestrian.
  • $30,000: Damages caused by your motor vehicle in an accident that lead to the death or injury of two or more people, including passengers in your or another motor vehicle and pedestrians.
You must maintain the minimum auto insurance coverage amounts on each vehicle that you register with the Pennsylvania Department of Transportation (PennDOT). Failure to do so could result in a three-month PA drivers license suspension. You could also be fined for as much as $300. To provide proof of insurance, keep your current insurance identification card on you at all times while you operate your motor vehicle.

Contacting a Personal Injury Attorney

If you’re involved in an accident that causes you personal injury, it’s in your best interest to contact a personal injury lawyer who is familiar with PA’s auto insurance laws and your rights.

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