State Laws › Pennsylvania

Pennsylvania · State Law Library Hub

Pennsylvania Auto Insurance & Crash Law Library

A public legal education and research library for Pennsylvania auto insurance, crash claims, coverage, fault, damages, deadlines and settlement.

Guide 01 + 22 TOPIC GUIDES
15 / 30 / 5
$5,000 minimum
Layout updated September 29, 2026

Browse Pennsylvania Guides Guide 01: How to Use This Library

Pennsylvania State Flag

Pennsylvania State Law Library

Numbered guides by legal category

Guide numbers remain exactly as registered; categories below follow each guide’s subject matter rather than assuming every jurisdiction uses the same ordinal sequence.

Getting Started in Pennsylvania

01Pennsylvania Citizen’s Guide — How to Use This LibraryBuild the coverage and claim map before making a final claim decision.›

02–08

Coverage & Insured Status

Coverage, benefits, insured status, UM/UIM, multiple-policy and interpretation questions.

02Required Auto Insurance, $15/30/5 Liability & $5,000 Medical Benefits in PennsylvaniaRequired insurance and minimum-coverage questions.›03Finding Applicable Insurance Coverage After a Pennsylvania CrashFinding every potentially applicable policy.›04Who Is an Insured Under Pennsylvania Auto Insurance?Coverage-specific insured status.›05Pennsylvania First-Party Medical Benefits, Priority, Coordination & SubrogationFirst-party benefits and coordination questions.›06Pennsylvania Full Tort, Limited Tort, Serious Injury & Statutory ExceptionsState-specific legal issue guide.›07Pennsylvania UM/UIM Coverage, Rejection Forms & Lower-Limit ElectionsUM/UIM coverage, elections, priority or subrogation.›08Pennsylvania UM/UIM Stacking, Waivers, Multiple Vehicles & PriorityUM/UIM coverage, elections, priority or subrogation.›

09–13

Insurer Duties & Claims Conduct

Disclosure, claims handling, agents, defense and failure-to-settle issues.

09Pennsylvania Insurance Policy Interpretation, Coverage Disputes & Pre-Suit Insurance InformationPolicy language, exclusions and coverage disputes.›10Pennsylvania Claims Handling, Bad Faith, §8371 & Fair Claims PracticesClaims handling and insurer-conduct issues.›11Pennsylvania Insurance Agents, Applications, Tort Elections & Failure to ProcureProducer duties and missing requested coverage.›12Pennsylvania Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.›13Pennsylvania Third-Party Failure to Settle & Excess ExposureSettlement opportunities and excess exposure.›

14–17

Vehicle & Use Questions

Borrowed and rental vehicles, work use, rideshare and government-vehicle questions.

14Pennsylvania Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.›15Pennsylvania Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.›16Pennsylvania Rideshare/TNC, 50/100/25, $500,000 Ride Coverage & First-Party BenefitsFirst-party benefits and coordination questions.›17Pennsylvania Government Vehicle Crashes, Sovereign/Governmental Immunity & Vehicle ExceptionsGovernment vehicle and public-entity claims.›

18–19

Liability & Proof

Fault rules, crash investigation, evidence preservation and limitations.

18Pennsylvania Modified Comparative Negligence & the Greater-Than-50% BarState fault-allocation rules.›19Pennsylvania Crash Investigation, Evidence Preservation & Two-Year Injury LimitationCrash investigation, preservation and limitations.›

20–22

Damages & Resolution

Damages, wrongful death, medical/reimbursement consequences and settlement.

20Pennsylvania Crash Damages, Two-Year Property Limitation & Loss of UseCrash damages and property-loss questions.›21Pennsylvania Wrongful Death, Survival & Two-Year LimitationWrongful-death and survival claims.›22Pennsylvania Settlement, Releases, First-Party Benefits, Liens, UM/UIM & SubrogationUM/UIM coverage, elections, priority or subrogation.›

Case Authority

Pennsylvania statutes and appellate authority organized by issue.

23Pennsylvania Auto Insurance & Crash Law Case Authority LibraryState-specific legal issue guide.›

Guide 01 · Pennsylvania Citizen’s Guide

How to use this library before making a final claim decision

1Find every policy

Start with the coverage-finding guide and collect declarations, endorsements, elections and insured-status information.

2Build the liability map

Identify all responsible persons and entities and use the vehicle, government and fault guides.

3Preserve proof and deadlines

Use the investigation and evidence guide and maintain a separate deadline calendar.

4Verify before finality

Read the settlement/release guide, the case-authority library and official sources before release.

Pennsylvania Published-Law Snapshot

Issues identified in the existing Pennsylvania library

15 / 30 / 5

Pennsylvania requires at least $15,000 per person, $30,000 per accident bodily injury and $5,000 property damage.

$5,000 minimum

Pennsylvania policies include at least $5,000 in first-party medical benefits for covered persons.

Limited vs. full tort

The selected tort option can materially affect recovery of noneconomic damages after a crash.

Modified comparative negligence

Pennsylvania reduces damages by comparative fault and bars recovery when the claimant is more than 50% at fault.

Currentness status: carried forward from the existing hub; layout normalization is not legal-currentness certification.

Primary Research

Official Pennsylvania research sources

How this library stays current

Build the complete Pennsylvania coverage and claim map

1. Identify the issue and open the relevant numbered guide.

2. Verify current primary authority, policy language and effective dates.

3. Keep legal currentness, source integrity and publication checks separate from layout normalization.

Build the complete Pennsylvania claim map before closing the file.

Find every policy, preserve evidence and deadlines, and review damages, reimbursement and release consequences.