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Pennsylvania state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.

Pennsylvania Insurance Coverage Requirements
  • Bodily Injury Liability: $15,000/$30,000 Limit
  • Property Damage Liability: $5,000 Limit
  • First Party Benefits (PIP): $5,000
The state of Pennsylvania follows a Tort system where you can choose tort options to define your right to compensation in the event that another party injures you or members of your household in an auto accident. You may choose between Full Tort or Limited Tort. If you choose the Full Tort option, your rights to financial compensation for injuries caused by other drivers is unrestricted.

Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Pennsylvania state law requires a minimum Personal Injury Protection coverage of $5,000.

You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver. Pennsylvania does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.

Lehigh Underwriters can help you customize an insurance plan that ensures that you are adequately protected and compliant under Pennsylvania law. There are many options available, and our knowledgeable staff can assist you in making the right choices to fit your needs and your wallet.