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BumRushDaShow

(165,183 posts)

6. It definitely ain't all the same coverage

Wed Dec 24, 2025, 11:40 AM

17 hrs ago

(my biannual renewal comes up next month)

The "Base" coverage is probably the same but I think what "no fault" means is that each driver's insurance takes care of their own expenses (so no court thing). But the amount you are reimbursed for will vary depending on how the accident happened and how much coverage you pay for and/or opt out of.

Here is the statute - https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/75/00.017.031.000..HTM

And specifically -

(snip)

(b) Uninsured motorist coverage.--Uninsured motorist coverage shall provide protection for persons who suffer injury arising out of the maintenance or use of a motor vehicle and are legally entitled to recover damages therefor from owners or operators of uninsured motor vehicles. The named insured shall be informed that he may reject uninsured motorist coverage by signing the following written rejection form:

REJECTION OF UNINSURED MOTORIST PROTECTION

By signing this waiver I am rejecting uninsured motorist coverage under this policy, for myself and all relatives residing in my household. Uninsured coverage protects me and relatives living in my household for losses and damages suffered if injury is caused by the negligence of a driver who does not have any insurance to pay for losses and damages. I knowingly and voluntarily reject this coverage.

Opting out means you'll have cheaper premiums.

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Highlight:

Judge green lights New York's driver's license law, rejecting a Trump administration challenge [View all] BumRushDaShow 21 hrs ago OP

Consider this: no_hypocrisy 20 hrs ago #1

In Pennsylvania we have "no fault" insurance to cover this type of problem FakeNoose 19 hrs ago #2

"My drivers insurance covers me...if I'm involved in an accident with an uninsured driver." BumRushDaShow 18 hrs ago #4

No I believe everyone has the same coverage... FakeNoose 18 hrs ago #5

It definitely ain't all the same coverage BumRushDaShow 17 hrs ago #6

Good. Why would you want unlicensed drivers on the road? travelingthrulife 18 hrs ago #3

At least a licensed driver has passed a driving test. EndlessMaze 17 hrs ago #7