The minimum required coverage to legally register an automobile in Pennsylvania is liability coverage of $15,000 for injury to one person in any one accident and liability coverage of $30,000 for injury to 2 or more persons in any one accident, together with coverage for damage to the property of others in any one accident in the amount of $5,000, and no fault medical benefits coverage for yourself and those covered by your policy of $5,000.
Think about it. This level of coverage would leave you with a high likelihood of having to pay damages out of your own pocket if you were ever responsible for an auto accident. With auto repair costs what they are today, there wouldn’t need to be much damage to the other person’s car for repair or replacement costs to exceed $5,000. Furthermore, if you were responsible for causing the accident, you could be required to pay the injured person’s lost wages. At today’s wage levels, it wouldn’t take long for lost wages to exceed $15,000; not to mention pain and suffering damages which you might be responsible to pay. The Pennsylvania Department of Insurance offers a brochure answering frequently asked questions about automobile insurance:
Q & A About Auto Insurance in PA
If you owe back taxes, the Pennsylvania Department of Revenue is offering tax amnesty:
In an earlier post, I discussed how generally those motorists subject to limited tort may only recover for pain and suffering and other non monetary damages when they have sustained serious injury. However, there are exceptions to the general rule. Persons subject to limited tort may recover such damages in the following cases:
- Whenever the person at fault is convicted of or has accepted ARD for DUI.
- Whenever the person at fault was operating a vehicle registered in another state.
- Whenever the person at fault intended to injure himself or another person.
- Whenever the person at fault has failed to maintain the legally required auto insurance coverage.
- Claims against persons in the business of manufacturing, designing, repairing, maintaining or servicing vehicles when the injury arises out of a vehicle defect caused by an act or omission of that business.<
- If the person injured was injured while the occupant of a vehicle other than a private passenger vehicle.
Of course, a judgment against someone, no matter how large, is of little value to you, if you can’t collect the judgment. That’s why you should give serious consideration to the level of uninsured and underinsured motorist coverage you should obtain, a subject to be covered in a later post.
If you have further questions, please call me at 814-283-5788
The Pennsylvania Motor Vehicle Financial Responsibility Law requires auto insurance companies in Pennsylvania to offer their customers the choice between full tort insurance and limited tort insurance. What’s the difference? Full tort will cost you more but in the event you are injured in a motor vehicle accident you will be permitted to seek full compensation for your injuries from another motorist who was at fault, including pain and suffering damages and other non-monetary damages, regardless of the severity of your injuries. Limited tort will cost you less but you will be permitted to recover pain and suffering damages and other non-monetary damages only if your injuries meet the definition of serious injury (with exceptions to be explored in later posts). In either the case of full tort or limited tort you may seek compensation for medical expenses and other out-of-pocket expenses. Future posts will address the issue of what have been considered serious injuries by Pennsylvania Courts. In the meantime, if you have any questions concerning these issues, please contact me.
Election of Tort Options – PA Statute
I received a suggestion to post concerning drones and privacy concerns. The following articles give a good overview but the issue can be particularly fact sensitive and dependent on particular state law. If you would like to consult me concerning remedies available to you as a result of the invasion of your privacy in Pennsylvania by a drone, please give me a call at 814-283-5788.
When your neighbor’s drone pays an unwelcome visit
An Update On Drone Privacy Concerns
It being graduation season, I received a suggestion to post concerning the consequences of defaulting on federal student loans. The following linked post at the web site of an office of the United States Department of Education gives a summary. If you have any further questions, please ask.
Consequences of Default on Federal Student Loans
I received a suggestion for a post about rates for Pennsylvania inheritance taxes. It depends on the relationship of the beneficiary to the decedent. The differing percentages are set forth in the following linked page from the Pennsylvania Department of Revenue web site. If you have any further questions, please ask.
What legal topics would you like to see addressed on this blog? Please email me at firstname.lastname@example.org