Pennsylvania Personal Auto Insurance policies offer a collection of coverages known as First Party Benefits. There is one exception – Workers Compensation.  If you are traveling for your employer as part of your job, even in your own car, your medical expenses and lost wages due to an accident should be covered by Workers Compensation.

Otherwise, initial protection comes from your own Personal Auto policy. And it applies whether you are at-fault or not; driver or passenger; in your own car or another car; even as a pedestrian or bicyclist hit by a car.

The idea behind choosing limits of protection is to consider your other insurance. For example, if everyone in your household is covered by Health Insurance, with affordable out-of-pocket expectations (deductibles, co-pays, co-insurance), you may opt for lower First Party Medical coverage (minimum $5,000) on your Personal Auto Policy to save premium.  Personal Auto Insurance pays first, Health Insurance pays second.

On the other hand, if everyone is not comfortably covered by Health Insurance, you may want to maximize First Party Medical Benefits at $100,000. And you can supplement it with a $1,000,000 Extraordinary Medical Benefit.

If you have questions, visit our website’s Consumer Info section (, or contact us.


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