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Automobile Insurance is something that an individual purchases to help pay for financial losses or obligations incurred in the event of an accident brought on by you. It will also protect you if somebody else caused the accident, but had no auto insurance coverage. On a new car Car Insurance Philadelphia requires that you have medical coverage, bodily and property damage liability.

Bodily injury liability ensures that if you are to blame in a car accident and some body is injured, the insurance will cover their medical and rehabilitation expenses and any damages that you're found accountable for. The coverage must be at least $15, 000 to $30, 000. Property damage liability covers you if you damage someone's property in and you will be the one to blame. You must have at least $5, 000 of property damage liability coverage. Some Philadelphia companies provide a single limit of $35, 000 - Auto insurance Philadelphia meaning this meets the bodily injury liability and property damage minimum requirements. When you're buying Philadelphia insurance quotes for a new car you need to have a concept of what coverage you want, what limits of liability you'll need and what type of deductible you want. You'll want all drivers' names, ages, sex and marital available, plus your driving record including any accidents or traffic tickets. You will also have to present information regarding the new car regarding the full vehicle identification number (VIN), that which you paid for the vehicle and if it has any special equipment. Under Pennsylvania's premium Automobile insurance Philadelphia companies can calculate their on rates centered on past loss experience and expenses.