Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

How does PA car insurance Work?

PA car insurance laws require every driver to carry $15,000/$30,000 bodily injury liability coverage. This means that if you are in a car accident in PA, your insurance company would pay $15,000 per injured person up to a total of $30,000 for all injuries related to the accident (minus your deductible).

Does car insurance work out of state?

Your car insurance policy will cover you for temporary trips out of state, but for long-term stays, you may need to update your policy to match your new residence. In general, your car insurance should correspond with your state of residency—where you actually live.

How much car insurance do I need in PA?

Learn More About Pennsylvania Required Auto Coverage The minimum limits for Pennsylvania auto insurance are: Bodily injury liability coverage: $15,000 per person, $30,000 per accident. Property damage liability coverage: $5,000. Uninsured motorist coverage: $15,000 per person, $30,000 per accident*

Do you have to have car insurance in PA?

Drivers must purchase and maintain car insurance in order to legally drive in Pennsylvania. Under Pennsylvania law, this is called maintaining “financial responsibility” on your vehicles.

What is the deductible for auto insurance in PA?

Under Pennsylvania law, the insurance company applies a $500 deductible unless you request a lower amount. Generally speaking, the higher your deductible, the lower your premium. Comprehensive— Generally, this pays for theft or damage to your car from hazards including fire, flood, vandalism or striking an animal.

Is it true that car insurance follows the driver?

As we mentioned above, car insurance generally follows the car, but insurance is never black and white. There are some cases when certain types of coverage do follow the driver.

What kind of insurance do I have if I Borrow a car?

When a driver borrows a car and causes an accident, the car’s owner’s auto insurance is the primary insurance, but if the driver has their own insurance, that will serve as the secondary insurance.