Pennsylvania law outlines the priority order for insurance payments after an accident, allowing insured individuals to request lower coverage limits, and permits insurers to offer coverage amounts exceeding minimum requirements. Certain sections related to workers' compensation benefits and coverage repeals are also included. The law aims to clarify the sequence of insurance claims and optional coverage enhancements.
First, the policy covering the vehicle occupied by the injured person at the time of the accident pays, followed by policies covering other vehicles the injured person is insured under.
Yes, you can request in writing to reduce your coverage limits to amounts equal to or less than the standard limits, as per Section 1734.
Yes, insurers may offer coverage amounts higher than the minimum required, but not exceeding the limits specified in the bodily injury liability provisions.
Yes, Section 1735 regarding coverages unaffected by workers' compensation benefits was repealed effective July 2, 1993.