• Pennsylvania Auto Insurance Coverage
• Pennsylvania Auto Insurance Discount

Pennsylvania Auto Insurance Coverage

We can show you options so that you can choose the Pennsylvania auto coverage that is right for your needs, goals and budget.

Pennsylvania car insurance coverage your policy must have

Liability coverage is required by law

As a Pennsylvania driver, you need to buy a policy with two types of liability coverage: property damage and bodily injury.

• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
• Property damage safeguards your assets if you are found legally responsible for a covered accident, including property damage sustained by the other party.

Choose from limited or full tort coverage

• Limited Tort limits the right for the insured to seek financial compensation for pain and suffering due to injury in an accident.
• Full Tort allows the insured to seek financial compensation for pain and suffering due to injury from an auto accident when you are not at-fault.

When you buy Pennsylvania auto insurance coverage, you’ll need at least the required state minimum amount: $15,000/$30,000/$5,000. This means that in the event of an accident, if you are at fault, you are covered up to $15,000 for bodily injury for each person involved in an incident, with a total maximum of $30,000 per incident. It also covers up to $5,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if a suit is brought against you as a result of a covered accident.

• Medical benefits – Pays for necessary medical expenses for you or others covered under the policy, no matter who is at fault.

Pennsylvania auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

• Comprehensive – This type of Pennsylvania auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
• Collision – Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
• Uninsured/underinsured motorist – Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Bodily injury This protects you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
  • Property damage This protects you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

Other smart options to consider from Nationwide:

• Accident Forgiveness – With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
• Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
• Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.

Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.