As we all know, the cost of insurance varies from carrier to carrier. This cost also reflects the type and amount of coverage you select (i.e. comprehensive v. collision). Pennsylvania law requires each driver to carry insurance in a minimum of $15,000.00 per person and $30,000.00 per accident for bodily injury, $5,000.00 of medical benefits, and at least $5,000.00 covering property damage to the property of another.
When selecting your policy options you should choose medical coverage in excess of the minimum of $5,000.00. This will cause an increase in your premium but it is far better to have your medical treatment covered by the auto insurance carrier rather than your personal or employer health insurance provider. This is because your medical insurance carrier can recover any of its expenses from whatever amount you may receive from a lawsuit.
All automobile insurance is also subject to a choice between full tort and limited tort. Many people have a poor understanding of what this option means and frequently chose the cheaper limited tort. This is a bad decision. The difference is that only full tort coverage allows you to sue for ALL damages, including pain and suffering, you suffer as a result of an accident. While limited tort prevents you from recovering for some injuries. There is usually only a small increase in your premium to select full tort. This increased premium is money well spent if you are ever unfortunate a victim in an automobile accident.
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