Liability provides protection to you or anyone driving your car with your concern. When any claim is made against you by a third person labeling you to be responsible for the accident caused, this coverage will make payments to him on your behalf, if found that your vehicle is involved and resulted in injury or damaged any of the property of the third person. In addition, it will also provide legal support and will defend you when a law suit is filed. Hence do not reduce limits on your liability coverage.
Minimum limits mandated on bodily injury liability coverage for third-party by Pennsylvania’s Vehicle and Traffic Law are:
- bodily injury of $15,000 for each person or $30,000 for causing death due to any injuries, sustained in an accident by one person
- bodily injury of $30,000 for two or more in one accident or $60,000 resulting in death of two or more persons due to injuries from one accident.
State law also requires a minimum of $5,000 for any damage caused to vehicle or it’s parts or any damage to the property during an accident. Thus the minimum liability limits in Pennsylvania is referred to “15/30/5” or “$15,000/$30,000/$5,000”.
For any bodily injury or property damage caused during an accident, if it is due to other driver’s negligence then you can claim under the other driver’s car insurance policy, where the automobile insurance policy provides coverage for each person involved in the accident and hence a liability coverage. However, when an injured person in your vehicle is your spouse unlike the purchase made, you need to opt for Supplemental Spousal Liability Insurance. Remember, your wife is still eligible for No-Fault as discussed above. Hence, it becomes necessary to check with your insurer or the insurance agent much before buying a car insurance policy.