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Car insurance is something that an individual purchases to help purchase financial losses or obligations incurred in the event of an accident brought on by you. It will also protect you if another person 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 implies that if you're at fault in a car accident and someone is injured, the insurance will cover their medical and rehabilitation expenses and any damages that you're found liable 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 also would be the one to blame. You'll want at the very least $5, 000 of property damage liability coverage. Some Philadelphia companies give you a single limit of $35, 000 - Auto insurance Philadelphia meaning this meets the bodily injury liability and property damage minimum requirements. When you are searching for Philadelphia insurance quotes for a new car you'll want an idea of what coverage you want, what limits of liability you'll need and what kind of deductible you would like. You need to have all drivers' names, ages, sex and marital available, along with your record including any accidents or traffic tickets. You will also have to present details about the new car regarding the full vehicle identification number (VIN), what you paid for the vehicle and when it has any special equipment. Under Pennsylvania's premium Automobile insurance Philadelphia companies can calculate their on rates based on past loss experience and expenses.