If you are a resident of the state of Pennsylvania and you drive a car, you are required by law to have a minimum amount of PA Car Insurance. The state mandates this coverage to provide protection for you and other drivers. Even if the state did not mandate that you have car insurance, it would be in your best interest to protect yourself with car insurance. Regardless of how safe or experienced of a driver you are, accidents are one of the risks you take on when you get behind the wheel of a car. You can't always prevent accidents, but you can protect yourself with car insurance in the event that one does happen. In the event of an accident, car insurance is the best way to protect your physical and financial well being.
PA Car Insurance actually consists of two different primary forms of insurance. The first form of car insurance is to provide protection in the event of physical damage. If your car is damaged, having physical damage insurance will cover the cost of repairing your vehicle. However, it is important to understand that there are different levels of physical damage protection. If you are only concerned about damage to your car being covered in the event of an accident, you will want to protect yourself with collision insurance.