Auto insurance is always a good idea. But it’s also the law.

Just like most other states, Pennsylvania has specific auto insurance requirements. While most of these are common, there are a few mandates that make the state different than others. Fortunately, Northeast Insurance Advisors LLC are experts at interpreting these ever-evolving regulations. Located in Easton, PA, their agents stay current so you can stay protected.

With this in mind, Northeast Insurance Advisors LLC shares three mandatory items that every auto insurance policy must include.

Bodily injury liability

In Pennsylvania, liability coverage is required for all drivers. Protection against bodily injury is the first component. If a serious collision injures another motorist, this plan will reimburse those expenses. By law, drivers must carry at least $15,000 for any single person. A total of $30,000 is mandated per accident for all people. 

Property damage liability

This is another form of liability. However, this applies to someone’s property instead. Although this includes mostly vehicular damage, it can also cover damage to buildings, mailboxes, and other structures. Pennsylvania motorists are required to have $5,000 per accident for property damage. Taken together, liability coverage is often referred to as "15/30/5."

Personal injury protection

Because of its distinction as a no-fault state, Pennsylvania makes all drivers carry first-party medical benefits of at least $5,000. Known as Personal Injury Protection (PIP), this could re-pay lost wages, medical bills, and other accrued expenses that resulted from an accident. But, unlike liability, this protects you personally, not another driver. 

Contact an agent serving Easton, PA

Northeast Insurance Advisors LLC keeps you legal. But their agents also keep you safe. Auto insurance protects you and your family. It also protects other drivers on the roadway too. To get proper coverage, schedule an appointment right away.