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The Risks of Not Carrying Enough Auto Insurance

Some people find it tempting to carry the minimum auto insurance in Easton, PA, especially if they are on a tight budget or have an old vehicle. While you may save money in the short term, drivers with minimal auto insurance could be on the hook for exorbitant repair costs that they may not be able to afford. Valor Insurance makes it a point to ensure their customers have sufficient coverage to meet their needs.

Minimum Legal Amounts in Pennsylvania

Pennsylvania drivers must have at least  the following liability coverage to operate a motor vehicle legally:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person
  • $5,000 for damage to another person’s property

Unless an accident is minor, those coverage amounts won’t be sufficient to cover the costs of an accident. If you caused the accident, you remain responsible for covering another driver’s expenses, even if your policy doesn’t fully cover it.

The Other Driver Could Sue You for Damages

The most considerable risk occurs if you are in a severe accident involving considerable damage to another driver’s vehicle, as well as yours. If someone is badly injured, the stakes get higher. If you have a minimal policy and are at fault in the crash, the victim could file a claim in court requiring you to pay for the damages. This step could result in wage garnishment if you are found guilty.

What Coverage Should I Carry?

In addition to getting higher liability coverage limits, you should consider personal injury protection (PIP) to cover injury expenses and lost wages if you are involved in an accident. 

If you’re unsure what coverage you need, contact the agents at Valor Insurance in Easton, PA for advice on selecting auto policy provisions.