Frequently Asked Questions & Answers: Pennsylvania Auto Insurance
Which Pennsylvania auto insurance package is recommended by a majority of legal experts?
Pennsylvania residents deciding which auto insurance package to buy should highly consider a full tort policy say legal experts across the state. Full tort policies provide complete insurance protection if a policyholder is injured in an automobile accident. Insurance experts recommend that policyholders also insist on uninsured/underinsured motorist insurance for protection in case of an accident with another driver who is not insured. The combination of full tort and uninsured/underinsured motorist insurance offers full insurance coverage in Pennsylvania.
What is a full tort policy?
Full tort gives policyholders the unlimited right to sue for pain and suffering for any injury received in an accident. Family members injured in an accident also have the right to collect under a full tort policy.
What are the possible repercussions of purchasing a limited tort policy?
Attorneys warn that a limited tort policy, which is the required minimum under Pennsylvania law, can be costly as it limits the policyholder's right to sue for pain and suffering compensation. Unfortunately, because most people are uninformed and only see the temporary financial benefits of a limited policy (limited tort holders save 15 percent on their premiums), many often fail to take advantage of full tort insurance. Family members injured in an accident may not be able to collect under a limited tort policy.
How many vehicles are estimated to be uninsured on Pennsylvania highways?
It is estimated that more than one in thirteen vehicles are uninsured on Pennsylvania highways.
Is it too late to change my policy?
No. Under Pennsylvania law, you can change your coverage at any time. It is never too late to purchase full tort and uninsured/underinsured motorist policies.
Can anyone named on the policy change the coverage?
Yes. If more than one person is a named insured, any of those persons can change the policy at any time. Be careful, though. Once a change is made, everyone named on the policy is bound by the terms of the new contract.
-- Article Courtesy of InjuryBoard.com
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