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Pennsylvania Auto Insurance Laws Pennsylvania auto insurance law requires Bodily Injury Liability insurance coverage which pays for the other parties' medical expenses if you injure someone in a car accident. You must buy bodily injury liability coverage of at least 15/30: $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident. If you damage someone's property in a car accident and you are at fault, the property damage liability coverage pays for it. You must buy at least $5000 of property damage liability coverage. Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements. A minimum medical benefits coverage of $5,000 is also required. These pays medical bills for you and others covered on you policy regardless of fault.
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