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Woman Confused by Auto Insurance Papers

Pennsylvania Auto Insurance Demystified
What Are All These Confusing Terms and
What Coverage Do I Really Need?

Click here to skip directly to our Pennsylvania Motor Vehicle Insurance Reference Chart or click here to view it as a PDF for easy printing or to save it to your computer.


Pennsylvania automobile insurance law is confusing enough to daunt many educated consumers.  In purchasing motor vehicle coverage, you need to make several important decisions which could have a far reaching impact on the future well being of you and your family.  You need to be certain that you thoroughly understand your options.


I would like to give you the benefit of my over 30 years of experience in this area and provide you with clear, concise explanations of the relevant terms and guidance regarding the types of coverage you need. 


In Pennsylvania, you are required to maintain the following coverage:


       –      Either the Full Tort or the Limited Tort Option

       –      Bodily Injury Liability

       –      Property Damage Liability

       –      Medical Expenses Benefit

However, there are other option forms of coverage, including Uninsured and Underinsured Motorist Coverage, explained below, which are crucial to protecting you and your family.


Below you will find a chart summarizing the different types of motor vehicle coverage, whether they are required by law, and my relevant recommendations. 



Pennsylvania Motor Vehicle Insurance Reference Chart

Simply click on the coverage type below for more detailed information. If you prefer to print the chart or to save it on your computer, click here to open it as a PDF.

PA Auto Insurance Summary Chart Tort Option Bodily Image Coverage Medical Expenses Coverage Property Damage Coverage Uninsured Motorist Coverage Underinsured Motorist Coverage Stacking of UM & UIM Policies Wage Loss Coverage Funeral Benefits Collision Coverage Comprehensive Coverage Miscellaneous Coverage


If you have further questions Pennsylvania Automobile Insurance, please do not hesitate to contact Gary Stewart Seflin by calling 610-892-9700 or by filling out our contact form.






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