All drivers in the state of Pennsylvania must carry personal injury protection in addition to the mandatory liability coverage. Pennsylvania is considered a no-fault state, meaning that expenses to cover medical treatment for bodily injuries resulting from an auto accident must be paid for immediately, regardless of who was At Fault. Insurance companies automatically include this coverage for Pennsylvania drivers when a quote is given.Coverage Minimums In PennsylvaniaAll drivers in Pennsylvania are required to carry liability protection in amounts equal to or greater than 15/30/5/5. This means at least $15,000 to cover costs related to bodily injury suffered by an innocent driver or passenger, $30,000 to cover the costs related to all injuries suffered by non-fault individuals, $5,000 to cover property damage sustained by those not at fault and $5,000 of personal injury protection.What PIP CoversInsurance shoppers have the option of purchasing PIP in an amount greater than what the state requires. The base protection will cover medical expenses for the driver. It does not matter who caused the accident. The idea behind PIP is to lower the frequency of fraudulent medical claims where auto insurance companies will be the ones forced to pay. When a driver is covered by PIP he or she does not have to wait until the insurance companies view the police reports and determine fault in an accident. This is a great benefit because the medical expenses can be taken care of in the interim. Liability insurance does of course provide coverage for at-fault drivers but when PIP is in force the insurance companies of all involved parties can determine reimbursement at a later date.Adding More Liability And PIPAlthough the state of Pennsylvania requires only $5,000 of PIP protection many drivers may want to consider a higher amount. Some policies offer a protection plan that includes other passengers riding in the insured's vehicle. There are also PIP policies that cover injuries sustained by a child in a school bus accident. The insurance company will pay for these medical costs so long as the child's parent has personal injury protection. Usually the added monthly cost for PIP in amounts greater than $5,000 is nominal, especially if the driver is carrying more than the state minimum liability insurance.Insurance shoppers in Pennsylvania can find the lowest rates on liability and PIP insurance by comparing quotes from different companies. Online comparison sites make this a simple task. In addition to the required liability and PIP coverage shoppers can choose to add collision and comprehensive insurance when building a policy. Each company will give an instant quote and the customer can contact the provider directly for further information.