It should be noted that there are no deductibles in the medical coverage of an auto insurance policy, as is the case with regular health insurance plans. A minimum car insurance policy in this state is slightly different from that in other states; Pennsylvania is one of 12 states that have adopted no-fault auto insurance, which requires insurers to pay the medical expenses of their own insured drivers, regardless of who is at fault for the accident. The minimum state car insurance in Pennsylvania is the lowest amount of coverage you need to drive legally in Pennsylvania. No-fault insurance describes an insurance system that prevents a person from obtaining compensation from the other party's insurance after an accident.
To ensure that damage in car accidents is covered, Pennsylvania state law requires all motorists to purchase car insurance. In other words, your insurer will have to pay your medical care and bills in the event of a car accident, regardless of whether you caused it or not. If you meet all three of the above exceptions, you can sue the at-fault driver for medical, economic and pain and suffering losses, despite having a limited liability right in Pennsylvania on your car insurance policy. According to The Zebra, men and women pay roughly the same amount for car insurance in Pennsylvania on average.