Crash Course: Insurance
Test your knowledge on your Pennsylvania insurance policy. You might have coverage but are you COVERED?
What are the 'Tort options' in Pennsylvania?
Did you know? Many people choose 'Limited Tort' to save money on premiums—but they don't realize they may be limiting important legal rights after a crash.
What is the minimum required bodily injury liability coverage in Pennsylvania?
Did you know? If you cause an accident and your Bodily Injury Liability limits aren't high enough, you could be personally responsible for the remaining damages.
True or False: Pennsylvania is a 'No Fault' state for medical benefits
This means that you own auto policy's Medical Benefits coverage generally pays your initial medical expenses regardless of who caused the crash.
Did you know? You don't have to wait for the insurance company to determine who was at fault before your Medical Benefits (PIP) coverage can begin paying covered medical expenses.
What are you unable to claim under a 'limited tort' policy?
Did you know? Even if you choose Limited Tort, there are exceptions that may still allow you to recover pain and suffering in certain situations, such as when a serious injury threshold is met or in other circumstances recognized by Pennsylvania law.
You are a victim of a car accident; the person who hit you doesn't have enough insurance. What coverage under your policy may help?
Did you know? In Pennsylvania, you can reject UM/UIM coverage in writing—but doing so could leave you without this protection if you're hit by an uninsured or underinsured driver.
True or False: Pennsylvania law requires every driver to carry roadside assistance coverage
Did you know? A tow can cost well over $100—but adding Roadside Assistance to an auto insurance policy is often much less expensive than paying for a single emergency service call.
You were backing out of a parking spot and backed into the building, causing some damage. Which coverage option on your insurance will help pay for the building damage?
Did you know? A luxury vehicle can cost more than Pennsylvania's minimum $5,000 Property Damage Liability limit to repair from even a moderate collision.
What is the minimum amount of Medical Benefits (PIP) coverage required in Pennsylvania?
Did you know? PIP can help cover more than just an ambulance ride.
Depending on your policy and the circumstances, it may help pay for:
Emergency room visits
Hospital bills
Doctor appointments
X-rays and MRIs
Physical therapy
True or False: If you let someone else drive your car and they cause an accident, their insurance is the primary insurance used.
Did you know? Not everyone who drives your car is automatically covered.
Coverage depends on factors such as whether the driver had your permission, whether they're excluded from your policy, and the terms of your insurance contract.
True or False: You recorded the other driver on video saying it was their fault, so their insurance company has to pay your claim immediately.
Instead of trying to get the other driver to admit fault, focus on documenting the scene.
Take photos of:
Vehicle damage
The accident scene
Road conditions
Traffic signs/signals
License plates
Any visible injuries (if appropriate)
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Thank you for testing your Pennsylvania Insurance knowledge! You don't need to wait until an accident happens to contact us! If you have any questions about your insurance policy, call us. We can help you determine if your insurance is enough if you are ever in an accident.
Injury? Call DLP
(570) CALL-DLP
(570) 225-5357
