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First Party Policies and Coverage of Car Insurance in Philadelphia

Purchasing an auto insurance policy in Pennsylvania can be quite a gruelling process since the state is quite strict with vehicular laws. On proof of it is the mandatory law for every car owner and driver to have auto insurance. Choosing a car insurance that will meet all your needs is a time consuming process. A flexible auto insurance plan would be a nice option. Unfortunately, only a few insurers provide it.

However if you closely look at the Pennsylvania Motor Vehicle Financial Responsibility Law, the coverage it states are quite flexible in nature. In big cities like Philadelphia where surveillance is strong and car accidents and related crimes are common, such plans act as real boons.

By purchasing the main coverage of Philadelphia auto insurance, you and your family members are covered in case of an accident, irrespective of who is at fault. The state ensures that everyone must have medical coverage of not less than $5,000. Aside from that, you can opt for additional benefits such as medical, funeral, wage loss, and accidental death benefits.

One first party benefits is if you are involved in an accident and you have purchased a curtained coverage, it is up to you to decide whether you want to claim the entire coverage, just a part of it, or a combination of the benefits you have in your plan.

However, combination benefits come with a set of limitations. For instance, the accidental death benefits cannot exceed $25,000 and the maximum funeral benefit one can claim is $2,500. If you have more on medical coverage and almost no claims on any other benefits, then you should put aside this entire unused amount for your medical expenses.

The best thing about combination benefits is that it allows you to choose and use the coverage according to your own needs. You must remember that conventional first party benefits do not have a time bound limitation. However, combination benefits do with three years of validity where claim can only be done within the period. However, the practical advantages these combination benefits offer surpass its limitations. Before purchasing one, make sure you request the agent selling you auto insurance in Philadelphia to give you a demonstration and clearly explain the benefits offered and the plans you can include in the with easy process of claiming. After all, you don’t want to have auto insurance which does not come to play when you need it the most.

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