Auto Insurance Question Pennsylvania Pa
Reader’s Question:
I have an excellent driving record in Pennsylvania. A friend says that doesn’t matter and that I should add a personal injury rider to my auto policy. Why? Am I missing something?
Fran
Villanova, PA
Hello Fran!
Congratulations on having an excellent driving record in Pennsylvania. Hopefully you are being rewarded by your insurance carrier with reductions in your premiums. The personal injury rider for your auto insurance policy is an important consideration. It really has little to do with your driving history.
The personal injury rider will protect you and give you peace of mind if you are involved in an auto accident. The purpose of the personal injury coverage is to pay for reasonable medical expenses related to an accident in which you may be involved. As you know, accidents do happen, even to the best of drivers.
Other common provisions of most personal injury coverage include loss of income assistance while you recover from injuries, and a provision to help pay for certain personal services which the injuries might necessitate.
As personal injury coverage varies from state-to-state, you should consult with your agent to discuss this rider. If you do not have this coverage, you really should consider adding it. I really hope this helps, Fran!
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