Pennsylvania UM/UIM Coverage, Rejection Forms & Lower-Limit Elections

Pennsylvania insurers must offer uninsured- and underinsured-motorist coverage, but the first named insured may reject either coverage or select lower limits using statutory forms. This guide addresses offer requirements, rejection language, lower-limit elections, insured status, and disputes over the validity of coverage selections.

VG-TOPIC-07Pennsylvania

On this pageGuide Authorities

Current-law review: September 23, 2026. Verify current 75 Pa.C.S. §§1731 and 1734, statutory forms, policy language, and controlling decisions before publication.

← Pennsylvania Auto Insurance & Crash Law

Mid-Atlantic Auto Insurance Law Library →

National State Law Map →

PUBLIC-INTEREST LEGAL EDUCATION

VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.

Official Pennsylvania sources

Pennsylvania General Assembly · Pennsylvania Insurance Department · Unified Judicial System of Pennsylvania

Bottom line. Preserve Pennsylvania-specific first-party benefits, UM/UIM, tort-option, comparative-negligence, government-claim, damages, settlement and current-authority issues before legal reliance.

LibraryPennsylvania State Law Library LibraryAll Pennsylvania Topics NextUM/UIM Stacking, Waivers & Priority

A Citizen’s Guide to Auto Insurance and Crash Law

Find the state. Identify the problem. Preserve the record. Learn the law. Make an informed decision.

Public-interest education only. No legal services offered or accepted. No attorney-client relationship created. Verify current primary authority and the law applicable to the particular event before legal reliance.