Auto insurance in Warminster, PA: do you know what you're covered for?
Commuting on York Road, Street Road or the Turnpike, most Warminster drivers carry auto insurance because the law requires it. Fewer know exactly which choices they made when they bought the policy, and those choices decide what happens after a crash.
What Pennsylvania requires
Pennsylvania requires every registered vehicle to carry liability coverage for bodily injury and property damage, plus first-party medical benefits. The state minimums are $15,000 per person and $30,000 per accident for bodily injury, $5,000 for property damage, and $5,000 in medical benefits. See PA minimum auto insurance explained for what those numbers do and don't cover.
Choices you made, maybe without noticing
- Uninsured and underinsured motorist coverage. Insurers must offer it, but you can reject it in writing. Learn more.
- Limited or full tort. This choice affects your right to sue for pain and suffering. Compare the options.
- Stacking. In multi-car households, UM/UIM limits may be stacked or unstacked, and stacking can be waived in writing.
- Collision and comprehensive. These cover damage to your own car. They are optional under state law but often required by a lender or lease.
Questions to ask at your next renewal
- Are my liability limits more than the state minimum, and do they fit what I own?
- Did I sign a UM/UIM rejection or a stacking waiver?
- Am I on limited or full tort?
- What are my collision and comprehensive deductibles?
- Does everyone in the household who drives appear on the policy, including new teen drivers?
Our renewal review checklist walks through each one.
Frequently asked questions
Is Pennsylvania a no-fault state?
Pennsylvania uses a choice no-fault system: your own policy pays first-party medical benefits regardless of fault, and you choose limited or full tort, which affects your right to sue.
Where can I see my coverages?
Your declarations page lists your coverages, limits, deductibles and tort option. Your insurer can send a copy if you don't have one.
Sources
- PA Insurance Department
- 75 Pa.C.S. Chapter 17 (Motor Vehicle Financial Responsibility Law)
- 75 Pa.C.S. § 1731 (UM/UIM coverage)
- 75 Pa.C.S. § 1705 (tort options)
- Insurance Information Institute (III)
General information only, not advice about any specific policy. Your policy wording controls. Last reviewed November 2026. [Verify each figure and source link before launch.]