Gallina and Sons know the importance of protection before getting behind the wheel.
Pennsylvania drivers are required to carry specific auto insurance requirements. Although the laws are constantly evolving, Gallina and Sons are experienced in navigating these mandates. Serving Pittsburgh, PA, their agents can ensure you maintain the proper coverage.
Although minimum requirements are rarely enough, Gallina and Sons review the three items that every Pennsylvania auto insurance policy must include.
Bodily injury liability
Liability coverage is the basis for most policies. Protection against bodily injury is the first part of this protection. If another motorist is injured due to an accident, this will reimburse you for those expenses. In Pennsylvania, drivers must have at least $15,000 for any single person. A combined total of $30,000 is needed per accident for all people.
Property damage liability
This form of liability applies to a person’s property. While this most commonly includes vehicular damage, it can also cover other structures, like buildings and mailboxes. Motorists in the state are mandated to carry $5,000 per accident for property damage liability. While taken together, these liability coverages are referred to as "15/30/5."
Personal injury protection
Pennsylvania is classified as a "no-fault" state. Because of this distinction, auto insurance policies must also have first-party medical benefits coverage of at least $5,000. Also known as Personal Injury Protection (PIP), this could re-pay medical bills, lost wages, and other expenses that are incurred due to an accident. Yet, unlike liability, PIP protects you individually and not other drivers.
Contact an agent serving Pittsburgh, PA.
Gallina and Sons understand that auto insurance isn’t just the law. It’s about keeping you, your family, and other drivers safe on the roadways. Serving Pittsburgh, PA, our agency can help ensure you’re protected. Schedule an appointment today.