Every state in the U.S. except New Hampshire requires motorists to maintain a particular minimum amount of liability insurance. To help you understand what that means to you, Kleppinger Insurance, the premier auto insurance agency in Bethlehem, Pennsylvania, describes below what auto liability insurance covers and excludes. They also go on to explain Pennsylvania's minimum auto insurance requirements for motorists. Kleppinger Insurance is a member agency of the Trusted Choice Network of independent agents, which means they are not bound to a single insurance provider but have the flexibility to help you choose the best, most inexpensive policy from a variety of insurers.

What Auto Liability Insurance Covers

Liability Insurance is a type of auto insurance coverage that reimburses others who have been injured or suffered property damage during a car accident in which you were at fault. It also covers legal costs up to an agreed limit should you be sued. This includes court costs, lawyer fees, fines, and settlement amounts. Most auto liability policies exclude damages caused by a malicious act, and while they will pay for representation in civil court, they will not pay to defend you in criminal court.

Minimum Auto Liability Insurance Requirements In Pennsylvania

Pennsylvania requires motorists to purchase bodily injury liability coverage of $15,000 per person, per accident, to a maximum of $30,000 for all injuries per accident. Drivers must also purchase $5,000 of property damage liability. Additionally, the state requires $5,000 of first party medical benefits coverage in case you are injured and uninsured and underinsured motorist coverage in the amounts of $15,000 per person and $30,000 per accident. These last two protect you in the event of an accident with a motorist who has no insurance or is underinsured. Note these amounts are minimums; if you have assets to protect (e.g. savings, investments, or real estate), more liability coverage is often a wise choice.

Kleppinger Insurance, the most trusted and dedicated auto insurance agency in Bethlehem, Pennsylvania, offers expert guidance to help you choose the right auto, home, business, or life insurance policy for your lifestyle and budget. Visit their website for contact info, or call (484) 357-1485 to speak with an experienced agent about your insurance needs.