Posted : 02/19/2007
Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident.
Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).
|$15,000 person/$30,000 accident/$5,000 property|
|$25,000 person/$50,000 accident/$25,000 property|
|$50,000 person/$100,000 accident/$50,000 property|
|$100,000 person/$300,000 accident/$50,000 property|
|$100,000 person/$300,000 accident/$100,000 property|
|$250,000 person/$500,000 accident/$100,000 property|
In Pennsylvania a driver must have a minimum coverage of $15,000 for bodily injury to one person, $30,000 for bodily injury sustained by two or more persons in a single accident, and $5,000 for property damage that results from one accident. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for Pennsylvania.
Common Exclusions:Bodily injury and property damage coverages apply to injury and damage from normal use of the insured vehicle. Coverages are limited by your policy and there may be some circumstances in which coverage does not apply. For example, in some policies coverage does not apply to:
This coverage protects anyone occupying your vehicle at the time of an accident and you and relatives who live with you, while in other vehicles or if struck as a pedestrian. This coverage pays for certain medical expenses from a motor vehicle accident, regardless of fault. See your policy for exclusions.
Mandatory at $5,000.
Please Note: This coverage definition is intended only as a guideline. All terms and coverages are defined solely by your policy.
*Coverage minimums displayed are the minimum available through insurers on Insurance.com.
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