Call KBG

Email KBG

No fee unless we recover compensation for you

Learn More

We take cases on a contingency fee basis. This means that if there is no monetary recovery, you owe us nothing for our services. In most cases, KBG Injury Law will advance the expenses of the case and will wait to be reimbursed until the conclusion of the case.

There is no charge for your initial consultation with a KBG Injury Law personal injury attorney. This allows you to explore your options and determine whether moving forward with your case is the best decision for you on a risk-free basis. An initial consultation is the all-important first step to getting the results you deserve.

Request a
Free Consultation


Are You Covered? Car Insurance Coverage, Myths & Limitations

Are You Covered? In Pennsylvania, and most states, car insurance is required for licensed drivers. However, most drivers are in the dark when it comes to what is included in their car insurance coverage. According to a study by the National Association of Insurance Commissioners, roughly half of Americans do not understand the basics of insurance policies. Before you shop for car insurance coverage, be sure to arm yourself with knowledge so you’re not overcharged for coverage you don’t need.

Legally Required Pennsylvania Coverage

The following insurance policies are required by PA state law:

  • Liability Insurance
    • Liability insurance covers the cost of damage to other people, cars and property.
    • For injuries, your car insurance policy must cover a minimum of $15,000 per person, and $30,000 per accident.
    • For property damage, your policy must have a minimum of $5,000 per accident.
    • If you have the minimum coverage of $15,000/$30,000/$5,000, it is not enough. See what you can do to raise your coverage levels.
  • Medical Benefits Coverage / Personal Injury Protection
    • This form of car insurance coverage pays for medical expenses for anyone who is an insured under the policy, regardless of who is found at fault for the accident.
    • Your policy must cover a minimum of $5,000 in medical benefits.
    • Unlike traditional health insurance, auto medical benefits have no deductibles or co-pays. Auto medical benefits will pay for any and all treatment so long as it is related to a car accident.
    • Auto medical benefits are very affordable and selecting higher medical coverage is an excellent way to protect yourself from incurring out of pocket costs such as deductibles or co-pays.
  • Tort
    • Drivers may choose between full tort and limited tort coverage when buying auto insurance.
    • Full tort allows you to make a claim against the at-fault party to be compensated for all losses relating to an accident including pain and suffering for injuries sustained in the accident.
    • Limited tort severely limits your ability to make a claim for your losses and only allows you to sue out-of-pocket losses and for pain and suffering under very limited circumstances. Avoid limited tort coverage if at all possible or you may find yourself injured and suffering losses through no fault of your own and not able to make a claim against the responsible party.

What May Not Be Covered by State Minimums

If you opt to buy only the minimum coverage from your insurance company, you may be surprised to know you will not be covered and will not be compensated for the following:

  • Theft of vehicle
  • Stolen items from your vehicle, including upgraded sound systems, GPS or mobile devices
  • Natural disasters
  • Damages to your own vehicle
  • Injuries caused to you by others

Other Important Facts about Car Insurance

  • Your insurance will cover anyone permitted to drive your vehicle, as long as they are not specifically excluded under your policy. This includes those who are household members and are not.
  • Most car insurance policies will cover you when you are driving a rental car. However, rental car companies can attempt to recover “loss of use” income in the event of an accident. This means that your regular car insurance coverage will cover the cost of damages to the rental vehicle, but not the lost income the rental company projects for the vehicle. Yet, your credit card company may cover such losses; be sure to check your credit card company’s rental car policy before opting for additional coverage.
  • Depending on your coverage, a pet’s medical bills may be covered if it’s injured in a car accident.
  • All licensed drivers in Pennsylvania are guaranteed access to car insurance. If you have been denied car insurance coverage from several companies due to a high risk status, you can buy a policy through the Pennsylvania Assigned Risk Plan.

If you or someone you know has been involved in an auto accident and has insurance policy questions, call on the KBG team for help. We’re here 24/7 to get the Results You Deserve®.

Leave a Response

To all current and prospective clients, please be advised that while we are open for business and working remotely, effective Tuesday March 17th, our offices will be closed to the public. All of our attorneys will continue to advocate for their clients and are available via telephone, email and/or videoconference. Our receptionist will continue to answer the phone and connect you with our attorneys and staff as needed. To our prospective clients, we are here for you to answer questions and to consult with free of charge as usual. Consultations can be conducted by telephone or videoconference. We hope everyone and their families are safe and sound during this unusual time. Please call or email us with any questions or concerns. Thank you!Contact Us