Portland Auto Insurance in Pennsylvania

Auto insurance laws differ from one city to another so familiarizing yourself with Portland auto insurance laws today is definitely a responsible move for any first-time car owner. Understand the four basic Portland car insurance laws and you will surely have no problem getting affordable auto insurance.

Familiarizing Yourself with Portland Auto Insurance Laws in Pennsylvania Today

Motor vehicle owners residing in Portland, PA and other areas within the Lehigh Valley region know the importance of obtaining an auto insurance policy, since living in the third most populous metropolitan area in the state means the risk for auto collisions is far greater than in less-populous boroughs.

If you are a first-time car owner from this area, it is important to get familiar with different Pennsylvania auto insurance laws before taking your vehicle to the streets. Better understanding of state laws may keep you safe and save your budget. Here are four basic auto insurance laws for the state of Pennsylvania.  

1. Minimum Liability Coverage For Auto Insurance

   Under Pennsylvania auto insurance law, the required bodily injury coverage is a minimum of $15,000 per person, up to $30,000 per accident. Bodily injury insurance coverage will shoulder such expenses like medical bills, loss of income, pain and suffering and any legal costs you may receive from an accident. The state also requires car owners to have a minimum of $5,000 worth of property damage liability coverage. This will shoulder the damage to another person’s property such as a vehicle, a fence or a house, as well as any legal expenses that may result from the damage. 

   Another requirement by PA state law is personal injury protection coverage, commonly known as PIP coverage. The minimum required amount for PIP is $5,000. In case of an accident, this coverage will shoulder direct expenses such as medical bills, medications, physical therapy, etc.  

2. No-Fault Auto Insurance Law

   The entire state of Pennsylvania complies with the No-Fault system. Under the No-Fault coverage, your car insurance company immediately pays your claim, regardless of who was at fault in the event of an accident.

3. Tort Laws

   A tort option determines your right to claim in case you or any members of your household are injured in an auto accident. The state of Pennsylvania requires car owners to choose a tort option. Under “Limited Tort”, coverage will shoulder direct expenses caused by the accident such as medical bills and loss of income. However, indirect expenses such as emotional distress are not covered under this option unless you receive serious injuries, permanent disability or death. Under “Full Tort,” you and other members of your household can seek financial claim for both direct and indirect expenses caused by another driver in an auto accident.  

4. Assigned Risk Plan

   Pennsylvania has an "Assigned Risk Plan", ensuring that everyone can obtain an auto insurance policy, regardless if they are considered as “high-risk” drivers or not.

It is always important to understand your local auto insurance laws and options better before purchasing an auto insurance policy.

Local auto insurance quotes in your area

AutoQuoteNow.com can help you compare car insurance quotes for auto insurance coverage in all of the following ZIP codes in Portland

18351.