Pennsylvania requires all drivers carry limits of $15,000/30,000/5,000.

 

Bodily Injury Liability: $15,000 per person

Bodily Injury Liability: $30,000 per accident

Property Damage Liability: $5,000

 

We recommend that you carry more than the mimum limits to full protect your financial well-being during an accident.

It is essential to check your own policy, but usually your insurance policy will extend to cover a rental car.  This includes your liability which covers bodily injury and property damage, as well as comprehensive and collision if those are elected on your policy.  Be sure to make sure these coverages are on your policy before you rent a car. Carefully read any other “insurance” offers from credit card companies and the rental car company before agreeing to purchase. 

You absolutely want to insure your classic car on a special policy.  Due to the value of a lot of these types of cars, your normal personal auto policy will not be able to provide the coverage necessary to replace such a vehicle.  Classic or antique auto policies are designed to provide the extra coverage needed for some of these higher valued vehicles.

Have you ever wondered if you hit your own vehicle how it would be handled? It is covered and would be considered a collision claim and would be subject to your deductible. Rest assured that regardless of what you hit, collision coverage is there to pay to fix your vehicle.

The word tort can be confusing, so it is essential first to understand what it is. Any civil wrongdoing, such as negligence that causes harm towards another person, can result in legal liability which is known as a tort. Understand that this can mean more than just bodily injury; it can include mental and emotional injury as well.  So any type of liability insurance that helps to cover these types of losses related to tort is considered tort protection.