Philadelphia Auto Accident Lawyer Discusses Auto Insurance Coverage
Pennsylvania’s minimum required liability limits for automobile insurance has been 15/30/5. This means that if you are at fault for an auto accident in Pennsylvania and there are injuries as a result, you are covered up to $15,000 for the injury of one person in an accident and $30,000 if two or more are in the accident and $5,000 for property damage from one accident.
The Pennsylvania legislature is currently considering proposed legislation which would raise Pennsylvania minimums to 30/60/10 respectively. Pennsylvania is among a small handful of states that have minimum limits this low.
Why Proposed Auto Insurance Coverage Minimums in Pennsylvania Are Too Low
The reason these limits are too low is that if you cause a personal injury to someone in a Pennsylvania auto accident, and their car accident claim is worth much more than the minimum limits, you could become personally responsible for that excess amount. So let’s say, for example, that you cause a automobile crash and the driver of the other car dies. Your $15,000.00 in coverage is nowehere near enough to compensate the auto accident victim for the personal injury damages sustained. That could place you in a very precarious financial situation.
This is precisely why you should purchase high liability limits in your auto insurance in Pennsylvania. You need to protect yourself and your family, and having higher auto insurance policy limits is the answer.
If you are involved in an auto accident in Pennsylvania, contact Philadelphia injury attorney Jeffrey Harlan Penneys for advice on obtaining compensation for your personal injuries.