“Why Is It That Pennsylvania Has Some of the Lowest Required Insurance Minimums When It Comes To Automobile Insurance?” Queries Experienced Philadelphia Car Accident Lawyer
As an experienced Pennsylvania car accident attorney, I am somewhat concerned that Pennsylvania has one of the lowest state minimum insurance requirements for car insurance in the nation. What this means is the amount of insurance necessary to keep one legal. Although Pennsylvania is a major northeastern state, I ask you to compare a small sampling of the following states by state auto insurance minimums.
Maine.................50/100/25 (one of the poorest states in the country)
In fact, as far as I can determine, only two states have limits lower than Pennsylvania – Ohio and Oklahoma. One thing is for certain, that in this tightened economy, the minimum amount of car insurance that is necessary to be maintained in Pennsylvania (15k) is totally inadequate even if you are involved in the most minimal car accident. While there has been a lot of debate and talk from politicians about raising Pennsylvania’s state minimum insurance limits and doubling it, it seems that the insurance companies are fighting this because in this experienced car accident attorney’s opinion, they are simply getting away with murder by limiting their exposure. In the last few years many bills have passed in neighboring states including Maryland and Wisconsin which increased the minimum rates to 50/100/15. Believe it or not, minimum coverage levels can be raised with minimal cost to the policyholder.
I recommend to all my clients that they obtain much more than the minimal limits, and of course, always check full tort automobile insurance if operating a vehicle in Pennsylvania. Unfortunately, I have seen all too many cases where someone is struck by an uninsured vehicle or a vehicle carrying the minimum limits, and if they had not purchased, underinsured motorist coverage then they are left to pay all of the outstanding medical bills and other financial liabilities resulting from the accident out of their own pocket. Quite frankly, this defeats the purpose of insurance. As Louis Pasteur once said chance favors the prepared mind, and anyone realistically in touch with today’s environment should contact their insurance agent and load up with proper car insurance.
The Philadelphia and Pennsylvania car accident lawyers of Reiff & Bily offer a free, no obligation consultation and would be glad to give you a free insurance checkup. If you or a loved one has been involved in a Philadelphia or Pennsylvania car accident, we always a no recovery, zero fee guarantee which means we don’t get paid unless we win your case. Please contact us online at www.reiffandbily.com or toll free at 1-800-421-9595.