What type of insurance is mandatory for all drivers in Pennsylvania?

In Pennsylvania, the mandatory insurance requirement for all drivers is no-fault insurance, also known as Personal Injury Protection (PIP). This insurance type is a crucial component of the state's Motor Vehicle Financial Responsibility Law. It ensures that all drivers are covered for injury-related expenses resulting from accidents, regardless of who was at fault.

No-fault insurance provides benefits for medical expenses, lost wages, and other related costs, which helps streamline the process of receiving benefits post-accident without the need for lengthy legal disputes over fault. This system is designed to offer immediate assistance to injured persons, thereby promoting efficient access to necessary medical care.

While liability insurance is also required in Pennsylvania, it does not replace the necessity for no-fault insurance. Liability insurance covers damages to other people and property in accidents where the insured driver is at fault, but it does not cover the insured's own injuries. Other types of insurance, such as comprehensive and collision, are not mandatory; they are optional coverages that provide additional protection for specific types of damage.